Consumer complaint received 2024-03-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services Association (AL)

I am writing to file a formal complaint against XXXX XXXX for violations of my rights under the regulations specified in the Consumer Financial Protection Bureau ( CFPB ) outlined in 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ). 
Despite my repeated attempts to resolve the matter directly with your agency, the ongoing practices concerning my account have proven to be both unfair and in violation of federal regulations designed to protect consumers. 
Specifically, I would like to highlight the following issues : XXXX. Violation of 12 CFR 1006.34 ( b ) ( XXXX ) : This section explicitly states that a debt collector must not falsely represent the character, amount, or legal status of any debt. However, XXXX XXXX has consistently misrepresented the amount owed and failed to provide clear documentation supporting the validity of the debt in question. 
XXXX. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : According to this regulation, a debt collector is prohibited from communicating or threatening to communicate credit information, which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. Despite my disputes and requests for verification of the debt, XXXX XXXX has continued to report inaccurate information to credit bureaus without acknowledging my dispute or providing validation. 
XXXX. Violation of 12 CFR 1006.34 ( d ) : This section mandates that a debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt. XXXX XXXX repeated attempts to collect debt without providing adequate verification, and its failure to cease collection activities upon receipt of my dispute, clearly constitute unfair and unconscionable behavior. 
XXXX. Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : This statute requires that consumer reporting agencies have reasonable procedures to ensure maximum possible accuracy of the information concerning individuals. However, despite my efforts to rectify inaccuracies on my credit report resulting from XXXX XXXX actions, the inaccurate information persists, suggesting a failure on your part to maintain reasonable accuracy procedures. 
In light of the above violations, I demand the following actions be taken immediately : XXXX. Cease all collection activities related to the disputed debt until adequate validation has been provided. 
XXXX. Provide me with a comprehensive debt validation letter, including all relevant details such as the original creditor 's name, the original account number, the amount of the debt, and any supporting documentation proving the validity of the debt. 
XXXX. Dispute all debts reported by your agency to the credit bureaus on my behalf and furnish proof of such disputes. 
XXXX. Revoke all rights to communicate with me via email, text, or phone calls. Any further communication must be conducted via written correspondence sent to the address provided above. 
Additionally, I request the following documentation : XXXX. The purchase agreement or contract between XXXX XXXX and the original creditor pertaining to the debt in question. 
XXXX. Proof that XXXX XXXX is licensed and bonded to operate as a debt collection agency in accordance with state and federal laws. 
Failure to comply with these demands will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau and seeking remedies available under the law. 
I expect a prompt and thorough response to this complaint, including confirmation of receipt and a timeline for resolution. Please keep me informed of any developments regarding this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX