Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Advanced Collection Bureau, Inc.
State: TX

Complaint narrative:
Dear XXXX XXXX, I am writing in response to your statement regarding my dispute of the alleged debt being reported by Advanced Collection Bureau. Your response continues to fail in providing proper validation, and your statements contradict the way this account is currently being reported on my credit file. 

Despite my repeated requests, you have not provided legally required documentation proving your right to collect or report this debt, and you continue to misrepresent your role as a furnisher. Due to these issues, I am escalating my complaint and demanding immediate removal of this account from my credit report. 

1. Misrepresentation of Debt Ownership & Right to Report ( FCRA Violation ) You have stated in writing that Advanced Collection Bureau is NOT a debt buyer, but rather an agent collecting on behalf of XXXX XXXX XXXX. 

However, my XXXX  credit report lists Advanced Collection Bureau as the account holder, not XXXX XXXX XXXX. 

If Advanced Collection Bureau does not own this debt, then you do not have the right to report it under your companys name.

FCRA Sectio

n 623 ( a ) ( 1 ) ( A ) requires that furnishers report only accurate and complete information. Reporting a debt under your name while stating you do not own it is a misrepresentation and an FCRA violation. 2. Failure to Provide a Valid Chain of Assignment ( FDCPA Violation ) You claim that your company has a right to collect and report this debt, yet the
only document you have provided is a signed lease agreement.

A lease agreement does not prove that Advanced Collection Bureau has been legally assigned the right to collect or report this debt.

I have requested documentation showing the full chain of assignment, including a bill of sale or contract proving your legal authority over this debt.

Since you failed to provide this required documentation, your collection efforts and continued reporting are unlawful under FDCPA 15 U.S.C. 1692g ( b ). 

If you can not provide proof that you are legally assigned this debt, you must delete it from my credit report immediately. 

XXXX. Continued Reporting of an Unverified Debt ( FCRA Violation ) Under FCRA Section 623 ( b ) ( 1 ), furnishers must conduct a reasonable investigation when a consumer disputes a debt.

While you have marked the account as disputed, you have continued reporting it without validating your authority to collect it.

If you can not prove that you were legally assigned this debt, you must delete it from my credit file immediately per FCRA guidelines.

4. Final Demand for Deletion & Regulatory Action Since you have failed to provide proper documentation proving your legal right to report and collect this debt, I am demanding : 1. Immediate deletion of this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 

2. Cessation of all collection attempts regarding this account. 

XXXX. Written confirmation that this account has been deleted within 15 days of receiving this letter.

Company response to consumer: Closed with explanation