Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Havre (MT)

Credit Bureau of Havre was calling me not identifying themselves or what they were calling about leaving voicemails repeatedly and did not send any written notice until months later still violating Fair Debt Collection Practices Act by not validating the debt advising that I had the right to dispute the debt or identifying name of creditor. I did not know collection action was filed until I got a collection notification on my email from XXXX XXXX. After my own investigation, I found that XXXX XXXX, son of XXXX XXXX just released from prison, found invoices of previously paid legal bills directly from a lawfirm in my name jointly with XXXX XXXX and only XXXX XXXX personally and not XXXX XXXXXXXX XXXX as XXXX XXXX and I signed XX/XX/XXXX a retainer contract with XXXX XXXX XXXX for services XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX created invoices and fraudulent claims to mark bills owed through his father 's company XXXX XXXX who is an implement dealer and has nothing to do with legal work. XXXX fraudulently created invoices owed through XXXX XXXX for legal services which they do not even offer at XXXX XXXX XXXX. 
Contract was never signed or owed to XXXX XXXX XXXX who turned this debt claim over to Havre Credit Bureau, via written statement by XXXX XXXX claiming to be the Vice President. Through XXXX attorney, I sent debt verification request letter to Havre Credit Bureau who signed for it certified mail on XX/XX/XXXX and they returned post marked XX/XX/XXXX with invoices created through XXXX XXXXt for their ledger. I then waited until XX/XX/XXXX and sent debt dispute letter to Havre Credit Bureau who signed for it certified mail on XX/XX/XXXX and have not received anything further from Credit Bureau of Havre. 
I then sent certified letter XX/XX/XXXX reiterating dispute of debt to Credit Bureau of Havre and requested for the 2nd time that they notify credit agencies that this debt is illegitimate. 
I then sent XX/XX/XXXX certified letter to Credit Bureau of Havre asking for proof of investigation opened for dispute and case number. 

This debt was removed per XXXX dispute on XX/XX/XXXX recognizing that this is a falsely claimed debt that I do not owe and yet Havre Credit Bureau continues to pursue claim in Unfair Practices thus again violating the Fair Credit Reporting act and Havre Credit Bureau has now pulled my information twice from XXXX on XX/XX/XXXX and XX/XX/XXXX without authorization to do so these harming my credit with hard inquires. 

XXXX XXXX was arrested on drug charges right after he filed this fraudulent debt with Credit Bureau of Havre and was released over 6 months later on parole and in XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Salesman went to jail for XXXX 

I have never had collections on my credit before and have full documentation as well as Montana XXXX XXXX having documentation of this being a false debt. 

Credit Bureau of Havre is falsely pursuing a fraudulent claim and this is being taken seriously and will be pursued if not remedied by Credit Bureau of Havre immediately.