Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (MI)

The Bureaus has continued to contact me regarding the XXXX XXXX debt even though I have disputed this. I have submitted in writing before but they have continued to shuttle this collection between collection agencies and currently I have contact from the following : agencies in addition to the Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this debt due to the misrepresentation from XXXX XXXXXXXX on the original debt. The equipment was the property of the business XXXX XXXX XXXX and when the business was dissolved in XXXX XXXX XXXX was contacted to acquire equipment. XXXX XXXX did not place this order until they were contacted 4 more times and finally acknowledged this in XXXX XXXX a full 8 months after the first contact. XXXX XXXX set the equipment up for pickup, but not until XXXX of XXXX thus allowing 10 months of extra fees to incur on the account. XXXX XXXX also needed legal contact to release the lien of a vessel that was paid off with them in XXXX and stated that just because it was paid does not mean the lien is released on a revolving account which is completely false. They also demanded the collection of a jet ski trailer that was NEVER included in the XXXX financing, and even if it had been it would have been release with the XXXX payoff. The account balance for XXXX was for the XXXX vessel of which the XXXX vessel only had an owed balance of {$300.00}. 

The equipment was placed for auction and sold in XX/XX/XXXX. The only notice I received after this was the collection from Bureaus and not XXXX XXXX. I was never notified of the completed sale amount, how much had been applied to my account, and what the final account of charges was ( sale fee, equipment fee, collection fee, and repo fee ). I have asked for an accounting of this since XXXX and only received a copy of my XXXX  XXXX statement that show the final balance before sale. The only letter I received in this time was the notice of sale. Bureaus has continued to shuttle my account between a half dozen of their subsidiaries disregarding my dispute. 

According to this timeline XXXX XXXX placed this account in collection as of XX/XX/XXXX and not XX/XX/XXXX as stated by Bureaus. This reporting has continued to be labeled as current and accurate monthly since this. I have disputed with XXXX and the collection company has provided false documentation that I have never been supplied regardless of repeated request. Seven different companies continue to contact me and make offers on this debt which makes it impossible to ever settle because I would not know if this would be cleared. Bureaus continue to report the debt every month as new which has continued to impact my credit and prevented me from obtaining financing for housing. Considering this debt is almost 7 years old, the impact of the collection should have diminished over the last 7 years but due to Bureaus tactic of passing the debt between collection agencies every time I dispute it and their continued reporting it is impossible to deal with.