Consumer complaint received 2017-09-08
Company: Bonded Business Services, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX, I faxed a dispute letter and subsequently certified mailed the same package to BBS. It is now XXXX XXXX, XXXX, 56 days later and and I have not received a written response to my dispute at my current address from neither company. Per the Fair Credit Reporting Act, Section 611 ( 5 ) ; Treatment of Inaccurate or Unverifiable information ( A ) In General- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 41 days after not receiving a written response, I filed a claim against both companies with the consumer financial protection bureau. In their response to the CFPB on XXXX XXXX, XXXX, they clearly state that they sent the initial validation notice to XXXX Wyoming ( no proof of address or number ). I have never visited, lived, nor have any associations to Wyoming whatsoever. The only documents that BBS has provided thus far are the lease docs from the original creditor. They have not provided any tangible evidence that the erroneous charges are valid. They have not provided proof that they even sent a letter to Wyoming, Colorado or XXXX, Texas. I believe anything produced by them at this point would be fabricated as anything is possible with them.They have not provided proof that they have attempted to contact me 6 times in a year. They have not provided photographic evidence justifying the {$1900.00} charge on my credit report. There is no proof that I acknowledged this debt in any way. They DID manage to admit wrong doing in sending a notification in XXXX XXXX to the wrong person at the wrong address at the wrong time. Enclosed you will find military orders assigning me from XXXX XXXX, CO to XXXX XXXX, TX dated XXXX XXXX XXXX. I was reassigned from XXXX XXXX, Colorado to Texas in XXXX of XXXX. It took this company 5 months to send a validation notice to the wrong address thus ruining my credit. Bonded also stated in their response It is BBS policy to report no sooner than 32 days after the account is listed. This gives ample time for the consumer to receive the first notice and be aware of the debt. How can I be aware of this erroneous debt if they sent it to Wyoming and Im in Texas? This is against the law! The attached military orders are the only documents that allow XXXX XXXX Soldiers to break/terminate an XXXX XXXX due to military obligation. Are they trying to compensate for lost rent? The original creditor, The XXXX at XXXX XXXX, was provided a copy of these orders along with a forwarding address for my security deposit and a phone number that has not changed to this day. I have done everything that I can to prove this debt is not mine and I want it deleted off of my credit file. Enclosed find a copy of the receipt showing when this creditor received my credit dispute and a copy of my original letter showing the account I have disputed. Since they initially failed to validate this debt accurately within the 30 day time period and clearly admitted wrongdoing to the CFPB in the procedure of listing a debt, they must delete the disputed account from my report. They must now delete the disputed and unverified account. Failure to do so can result in a {$1000.00} fine per undeleted item and I have contacted my lawyer in preparation to sue for punitive damages. Time is of the essence and this must be deleted ASAP with a letter mailed to each credit bureau and myself stating this is removed from my credit record. I have missed out on multiple opportunities with buying a home in XXXX, TX due to this fradulent debt on my credit report! XXXX is enough!!! DELETE!

Company response to consumer: Closed with explanation