Consumer complaint received 2024-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (NC)

Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To whom it may concern I am writing to you in response to your attempt to collect a debt. There is a clear violation of the U.S. Code title 15 of which I will refer to as I proceed with this letter.

First, according to 15 U.S. Code 6802 ( a ), a financial institution or entity may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless the institution or entity provides or has provided a notice to the consumer that complies with section 6803 of the same title.

Furthermore, under 15 U.S. Code 6802 ( b ), a financial institution or entity may not disclose nonpublic personal information to a nonaffiliated third party unless the following conditions are met : # 1. The institution or entity clearly and conspicuously discloses to the consumer, in writing or electronic form, that such information may be disclosed to third parties. # 2. The consumer is
given the opportunity, before the initial disclosure, to direct that such information not be disclosed to third parties. # 3. The consumer is provided with an explanation of how to exercise this nondisclosure option. I assert that I have not been provided with any clear and conspicuous disclosure regarding the sharing of my personal information with third parties. I further assert that I have not been given the opportunity, before the initial disclosure, to direct that such information not be disclosed to third parties. Additionally, I have not been given the opportunity to opt out of such disclosures, nor have I received any instructions on how to exercise this right. Therefore, you all have illegally and fraudulently obtained my personal information as I did not give XXXX XXXX XXXX XXXX or any of its affiliates permission to disclose my personal information. If you have evidence to the contrary I ask that evidence with my authorizing signature be submitted to me as soon as possible. 

Financial institutions or entities covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule?

Now, according to 15 U.S. Code 1681i : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 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. 
I am demanding that you delete this tradeline/debt/account from my consumer/credit report. If you choose to ignore the federal laws presented in this dispute letter I will be forced to deal with you using other methods : 1681n. Civil liability for willful noncompliance, and 1681o. Civil liability for negligent noncompliance. 
This dispute is also being ccd to the major consumer reporting agencies. 


Thank you for your time and attention Cc : XXXX XXXX XXXX