Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc. (OH)

This complaint is regarding THE BUREAUS INC. and their reporting to my consumer report via XXXX, XXXX AND XXXX. A dispute was sent to THE BUREAUS INC at XXXX XXXX XXXX XXXX XXXX XXXX, IL on XX/XX/2023. There was no action of removal of the account in response to this dispute. However, they did comply to cease communication. 

THE BUREAUS INC. Violated my federally protected rights under the FDCPA. 
1006.34 Notice for validation of debts.

( a ) Validation information required.

( 1 ) In general.Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

1006.34 ( b ) ( 3 ) ( v ) ( 4 ) Validation noticemeans a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.

( 5 ) Validation periodmeans the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it.

1006.34 ( c ) ( 3 ) ( 3 ) Information about consumer protections.

( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.

( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.

( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.

( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureaus website atwww.cfpb.gov/debt-collection.

( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically. 


1006.38 Disputes and requests for original-creditor information.

( a ) Definitions.For purposes of this section, the following definitions apply : ( 1 ) Duplicative disputemeans a dispute submitted by the consumer in writing within the validation period that : ( i ) Is substantially the same as a dispute previously submitted by the consumer in writing within the validation period for which the debt collector already has satisfied the requirements of paragraph ( d ) ( 2 ) ( i ) of this section; and ( ii ) Does not include new and material information to support the dispute.

( 2 ) Validation periodhas the same meaning given to it in 1006.34 ( b ) ( 5 ).

( b ) Overshadowing of rights to dispute or request original-creditor information.

( 1 ) Prohibition.During the validation period, a debt collector must not engage in any collection activities or communications that overshadow or are inconsistent with the disclosure of the consumers rights to dispute the debt and to request the name and address of the original creditor. 
( 2 ) XXXX XXXXA debt collector who uses Model Form B1 in appendix B to this part in a manner described in 1006.34 ( d ) ( 2 ) has not thereby violated paragraph ( b ) ( 1 ) of this section.

( c ) Requests for original-creditor information.Upon receipt of a request for the name and address of the original creditor submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt until the debt collector : ( 1 ) In general.Sends the name and address of the original creditor to the consumer in writing or electronically in the manner required by 1006.42 ; or ( 2 ) Special rule if the current creditor and the original creditor are the same.In lieu of taking the actions described in paragraph ( c ) ( 1 ) of this section, reasonably determines that the original creditor is the same as the current creditor, notifies the consumer of that fact in writing or electronically in the manner required by 1006.42, and refers the consumer to the validation information previously provided pursuant to 1006.34 ( a ) ( 1 ).

( d ) Disputes ( 1 ) Failure to dispute.The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.

( 2 ) Response to disputes.Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt, or any disputed portion of the debt, until the debt collector : ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; or ( ii ) In the case of a dispute that the debt collector reasonably determines is a duplicative dispute, either : 1006.38 ( d ) ( 1 ) ( A ) Notifies the consumer in writing or electronically in the manner required by 1006.42 ( a ) ( 1 ) that the dispute is duplicative, provides a brief statement of the reasons for the determination, and refers the consumer to the debt collectors response to the earlier dispute; or ( B ) Satisfies paragraph ( d ) ( 2 ) ( i ) of this section.

THE BUREAUS, INC. is not a consumer reporting agency nor are they a consumer protection bureau. The company filing shows that they are a for profit company and are a debt collector originated in Illinois and licensed in the state of OHIO. The are not a consumer agency or " Bureau '' as stated in their company name. This is a violation under the following federal regulations : 1006.18 False, deceptive, or misleading representations or means.

( a ) In general.A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

( b ) False, deceptive, or misleading representations.

( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.

( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).

( iii ) Any individual is an attorney or that any communication is from an attorney.

( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.

( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.

( vi ) Accounts have been turned over to innocent purchasers for value.

( vii ) Documents are legal process.

( viii ) Documents are not legal process forms or do not require action by the consumer.

Under " Volenti non fit injuria '' tort law. Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. THE BUREAUS., knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt THEY CAN NOT CRY INJURY OR DAMAGE FOR RISK THEY WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria THE BUREAU INC. had not provided legal obligation that I have to pay them. This includes but is not limited to : 1. The original agreement from the creditor that authorizes you to collect on this alleged debt or a copy of such agreement.

2. The agreement bearing my signature stating that I have agreed to assume the debt.

3. Valid copies of the debt agreement stating the amount of the debt and interest charges.

4. Proof that the Statute of Limitations for collecting this debt has not expired.

5. A comprehensive history of the payments made on this account, if any were made.

6. An explanation in detail as to how you calculated the amount you're asking.

7. Any court judgment against me regarding this debt.

8. competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. I believe this is a reasonable request given the circumstances.

In order to validate that this is permissible to be reported on my consumer report.

I did not and never have authorized ( verbally or written ) an account with THE BUREAUS INC to be furnished on my consumer reports. This violates 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is a law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.