Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: P&B Capital Group, LLC (TX)

My original complaint : Today a new account was added to my XXXX credit report by P & B Capital Group LLC in the amount of {$1400.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : XXXX. The amount they think I owe XXXX the name of the creditor XXXX. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt. 

The company 's response : Good morning, Thank you for reaching out to us. I reviewed your account and found that we sent the XXXX Validation Letter to the email on this complaint on XX/XX/year>. I am happy to resend that Letter to you. Please keep an eye out in your email and your spam folder in the next XXXX hours. Thank you, XXXX XXXX Account Resolutions. 

My response to the company 's response : They never sent a Validation Letter or any letter for that matter to my email address. I check my email and spam daily. Please require this company to show proof that they emailed me a copy of the letter. Show a valid email that has my email address, the time and date of XX/XX/year> showing proof that it was sent to my email address. This proof was not provided in their previous response, all XXXX XXXX did was state she would resend. Also, I would like to report that this company has engaged in illegal collection practices. My father informed me that a couple of weeks ago, a XXXX XXXX from their company called and said he was trying to collect a debt from me. This is illegal debt collection practices. You can not call a family member or third party to disclose a debt owed by someone else. You can call and ask for contact information for me but you can not disclose the debt. My father recorded this call and wrote down the information for XXXX XXXX along with the phone number he called from which is directly linked to this company. He stated that my father 's number was given to them, which I never gave this company that number, nor have I spoken to anyone from this company. To date, no validation letter has been sent. A validation letter could not be sent, because I have not even requested a validation letter, because I have not been notified that this debt even exists until it showed up on my credit report. I do not have any information as to who the original creditor is, a XXXX has not been received ( required to submit this in the evet {$600.00} or more has been reduced from balance owed ). I also have not received any original contracts, payment statements, or monthly billing, original amount owed on the debt, proof they have the right to collect on this debt. Also, after reviewing my credit report, I noticed that there is not an account listed that shows a similar balnce.