Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates
State: FL

Complaint narrative:
TO : Consumer Financial Protection Bureau ( CFPB ) REGARDING : Willful and Repeated Violations of the Fair Debt Collection Practices Act ( FDCPA ) by Creditors Bureau Associates ( CBA ) I. PRELIMINARY STATEMENT I am filing this formal complaint against Creditors Bureau Associates ( CBA ) for explicit, willful, and ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ) ( Cease and Desist ) and 1692g ( Validation and Verification Protections ). Despite receiving clear written directives, CBA has ignored federal law by failing to validate an alleged debt, continuing collection activities during an active dispute, and violating a formal cease-and-desist demand. 
XXXX. STATEMENT OF FACTS XXXX. Initial Notice & 1692g ( a ) Violation : On XX/XX/year>, I sent an electronic communication to CBA copy attached, to report and dispute unauthorized text messages originating from ( XXXX ) XXXX. These messages demanded payment plans for an alleged balance of {$35.00} with " XXXX XXXX XXXX '' and stated that CBA was handling the account. CBA failed to provide a legally mandated written validation notice within five days of this initial communication, directly violating 15 U.S.C. 1692g ( a ). 
XXXX. Follow-Up Notice, Formal Dispute and Cease-and-Desist : I subsequently issued a comprehensive, formal written notice via CBA 's form for disputes, posted on their website - copy attached, explicitly stating : o I dispute the validity of the alleged debt in its entirety pursuant to 15 U.S.C. 1692g.

o I demand strict verification and validation of the debt pursuant to 15 U.S.C. 1692g ( b ).

o I invoke my rights under 15 U.S.C. 1692c ( c ), ordering CBA to cease and desist all further communications with me regarding this matter.

CBA completely ignored this communication, again. As of today, XX/XX/year>, I have still not received the required written validation notice. 
XXXX : XXXX. WILLFUL STATUTORY VIOLATIONS Despite having actual and constructive knowledge of my dispute and cease-and-desist directive, CBA has engaged in actionable, non-compliant conduct : Violation of 15 U.S.C. 1692g ( b ) ( Overshadowing and Failure to Cease ) : Federal law mandates that a debt collector must cease all collection activities until verification of the debt is mailed to the consumer. CBA has failed to provide any verification, yet they have actively continued collection efforts. 
Violation of 15 U.S.C. 1692c ( c ) ( Cease and Desist Infraction ) : Once a consumer notifies a debt collector in writing to cease communication, the collector must stop all contact, subject to narrow statutory exceptions. CBA has willfully ignored this command.

Pattern of Harassment : CBA continues to transmit automated text messages demanding paymentmost recently on Saturday, XX/XX/year> copy attached. This ongoing campaign constitutes a willful pattern of consumer harassment and unlawful collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation