Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
While reviewing my credit report, I noticed that Bull City was reporting a collection account associated with an alleged past-due balance of {$140.00}. This account appeared with a derogatory status, indicating that the debt was considered to be in collections, but no details were included regarding : The original creditor The date the debt was allegedly incurred The date Bull City received or acquired the account The breakdown of the amount owed The timeline of events leading to collection status This lack of clarity led me to begin investigating the origin and legitimacy of the debt.

2. No Prior Notice or Communication Received Before seeing the Bull City listing on my credit report, I had not received : Any billing statements Any letters Any collection notices Any emails Any telephone calls Any validation notices Any documentation explaining the debt This was significant because the Fair Debt Collection Practices Act ( FDCPA ) requires a collector to send a written validation notice within five days of first contacting a consumer. I did not receive anything resembling such a notice.

Because of this, I did not have : Knowledge of the debt An opportunity to dispute it before reporting An opportunity to request validation Any explanation of the amount owed Any details about the alleged original creditor This lack of communication made it impossible to determine whether the debt was valid or whether Bull City was attempting to collect in error.

3. Attempt to Contact Bull City for Validation After seeing the account, I attempted to understand the origin of the debt by reaching out to Bull City. I attempted to request : The name of the original creditor The date the debt was incurred Documentation showing how the amount of {$140.00} was calculated An itemized statement of the balance Any communication logs or notices previously sent Proof that Bull City had legal authority to collect Copies of agreements, statements, or contracts from the original creditor Despite these efforts, Bull City did not provide the requested validation. They did not provide : Written validation Billing statements Proof of the debts origin Proof that the debt belonged to me Any legally required notice sent within five days of first collection activity This left me without the information required to independently verify the debt.

4. Dispute Initiated Through the Credit Bureau Because Bull City did not provide documentation, I filed a dispute with the credit bureau. The bureau indicated that the account was verified, but did not provide : Documentation from Bull City Copies of paperwork confirming ownership Proof of the amount owed Evidence of when or how the debt was acquired The dispute results did not include the method of verification, nor did they clarify whether Bull City submitted original creditor documentation or simply responded through automated e-OSCAR dispute systems.

This was concerning because automated verifications often simply compare digital fields rather than reviewing supporting documents.

5. No Original Creditor Identified The credit report did not identify the : Original creditor, Original account number, Original service provider, Date opened, Date of default, Transaction or service associated with the debt.

Without this information, I could not determine whether : The debt belonged to me Bull City was collecting on a legitimate account The debt was assigned accurately Bull City had received correct information A possible billing, clerical, or system error had occurred The absence of an original creditor on a collection account is a red flag when evaluating legitimacy and accuracy.

6. No Chain-of-Custody or Transfer Documentation Provided Bull City also failed to provide : Any documentation showing how it obtained the debt Any transfer or assignment contracts A bill of sale A servicing agreement A forwarding agreement All collection agencies must maintain chain-of-custody documentation demonstrating lawful ownership or legal right to collect on the account. Without such documentation, a consumer can not confirm : Whether Bull City is authorized to collect Whether the amount is accurate Whether the debt was sold incorrectly Whether the debt is associated with the correct consumer Because Bull City could not provide any documentation, the accuracy and legitimacy of the collection account could not be verified.

7. Lack of Itemized Amount or Explanation of Charges The alleged balance of {$140.00} was not itemized. There was no information explaining : What the {$140.00} represents Whether fees were added Whether interest was added Whether the debt was originally smaller or larger Whether this was a partial balance from another bill Whether any adjustments or corrections occurred A legitimate collector must be able to provide : The principal amount Any added fees Any payments posted Any credits or adjustments Because no itemization was provided, the reported amount can not be validated.

8. Inconsistent or Incomplete Furnishing Bull Citys reporting raises questions because : The account was reported to the credit bureau without documentation No validation notice was sent The bureaus verification process provided no supporting information Bull City did not respond with documentation when contacted These inconsistencies suggest that the reporting may have been : Incomplete Unverified Incorrect Presented without required supporting documentation This ultimately led to this formal complaint.

FAIR RESOLUTION Given the issues above, a fair resolution requires steps that ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These steps ensure accuracy, fairness, transparency, and lawful collection activity.

Below is the fair, reasonable, and legally compliant resolution requested.

1. Bull City Should Provide Full Written Validation of the Debt Validation must include : The name and full identity of the original creditor The date the debt was incurred A complete itemized breakdown of the {$140.00} balance Copies of any contracts, agreements, invoices, or service records Proof that Bull City legally owns the debt or has the right to collect Proof that Bull City sent the required five-day validation notice when collection began A complete chain-of-custody showing the transfer of the debt Documentation that proves the debt belongs to me If Bull City can not provide this documentation , then the account is not verifiable.

2. Bull City Should Conduct a Manual Reinvestigation Bull City should complete a manual, document-based review. This reinvestigation must include : Retrieval of original creditor data Verification of the balance Review of communication logs Review of original agreements or statements Confirmation that the account belongs to the correct consumer Confirmation that all information furnished to the bureau is accurate If Bull City does not possess the necessary documents, the account can not be verified.

3. Bull City Should Provide Dates and Documentation for All Communications A fair resolution requires Bull City to provide : The exact date they first attempted contact Copies of the notices they claim to have sent Proof of delivery or transmission Internal records showing the account was placed in collections Any communication logs between Bull City and the original creditor If no communication occurred, Bull City should acknowledge this.

4. If Bull City Can not Provide Documentation, the Account Should Be Deleted Under FCRA 607 ( b ), furnishers may only report information that is : Accurate Verifiable Complete If Bull City can not provide : A contract A statement An itemized balance A validation notice Proof of ownership Proof of communication Proof the debt is assigned correctly then the account must be removed as unverifiable.

Deletion is the only fair resolution when documentation does not exist.

5. Bull City Should Correct Any Inaccurate Information If Bull City does have documentation and the investigation reveals : Incorrect dates Incorrect balances Incorrect delinquency reporting Incorrect consumer identity Incorrect account information then Bull City should immediately correct the information with all credit bureaus.

6. Bull City Should Notify All Bureaus of Any Corrections or Deletions If the account is corrected or deleted, Bull City should : Inform XXXX, XXXX, and XXXX  Request immediate update of the consumer file Follow FCRA protocols to prevent reinsertion This ensures consistency across all bureaus.

7. Bull City Should Provide a Written Explanation of the Outcome A fair resolution includes Bull City providing a detailed written summary explaining : What documentation was reviewed What information was verified What information could not be verified What corrections or deletions were made How Bull City will handle the account going forward This transparency is required for the consumer to understand the outcome.

8. Bull City Should Prevent Reinsertion Without Proper Certification If the account is deleted, Bull City must follow FCRA 611 ( a ) ( 5 ) ( B ). This means : The account can not be reinserted unless fully certified The consumer must be notified in writing before reinsertion Reinsertion must be supported by documentation This protects the consumer from recurring inaccurate reporting.

9. Why This Resolution Is Fair This resolution is fair because : The FDCPA requires validation before collection The FCRA requires maximum possible accuracy Bull City has not provided documentation No validation notice was received The debts origin has not been substantiated The amount can not be verified The credit damage is significant Unverifiable information must be removed These actions simply require Bull City to comply with existing federal law.

CONCLUSION A fair and lawful resolution requires Bull City to : Validate the debt Provide all supporting documentation Correct any errors Remove the account if unverifiable Notify all bureaus of corrections Provide a written explanation If the debt can not be validated, the only appropriate outcome is deletion of the Bull City account.

Company response to consumer: Closed with explanation