Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.

Complaint:
I sent THE BUREAUS INC a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. This person is an uninterested party in this matter. In my cease and desist I demanded that THE BUREAUS INC send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that THE BUREAUS INC claims that I owe them. It has been 7 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. THE BUREAUS INC is also in violation of the FCRA ( Fair Credit Reporting Act ). I'm not sure how they received my private information. I did not give written or oral consent for them to furnish financial information to ANY of my consumer reports, THE BUREAUS INC has committed identity theft. On my consumer reports THE BUREAUS INC 's states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false, I never received ANY written notices from THE BUREAUS INC or documentary evidence that proves their claims that I owe them the alleged debt. THE BUREAUS INC is committing fraud and invading my consumer rights to privacy. THE BUREAUS INC has also caused me embarrassment, defamed my character, and harmed my credit worthiness and reputation by furnishing false financial information on my consumer reports. Furthermore, I have never done business with THE BUREAUS INC so I would like to know how they received all of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports. THE BUREAUS INC is violating federal law. I need answers and this matter needs to be resolved immediately.

Company response to consumer: Closed with explanation