Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Here is a list of all the violations that I believe has taken place by Bull City Financial Solutions : 15 United State Code 1692g - I received no information and I sent in a formal complaint to dispute the validity of the debt according the law.

Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof.

15 U.S. Code 1692e - False or misleading representations - Bull City Financial Solutions false and misleading information stating that the information was being investigated when in fact the information was not being investigated and no information was provided in the connection of this alleged debt.

15 U.S. Code 1692c - Communication in connection with debt collection - Bull City Financial Solutions is communicating with a third party that I did give them permission to communicate with in the connection of this alleged debt by providing this inaccurate information to my consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( Bull City has been informed that the validity of the debt is in question and the amount owed ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors- ( Bull City was provided a notice that the information is inaccurate and needed to be investigated ).

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( XXXX  from Bull City Financial Solutions on XX/XX/2024 stated in a phone conversation that the account file was sent to the creditor for investigation and did not notify the consumer reporting agency that the information was being disputed or investigated and refused to have the account removed during this time and did not notify me of any updates or investigation report or any information requested during their unfair and unreasonable investigation. And updated the account stating that Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

15 U.S. Code 1681 - Congressional findings and statement of purpose - Based on the amount that XXXX provided she stated the amount she showed was {$150.00} however Bull City Financial Solutions reported that {$160.00} is the amount to my credit report.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681n - Civil liability for willful noncompliance - Bull City Financial Solutions willingly avoided to comply with the provisions under both the fcra and the fdcpa.

15 U.S. Code 1681o - Civil liability for negligent noncompliance- Bull City Financial Solutions was negligent in conducting a reasonable investigation and failed to respond to my request for information to be sent to me via mail so that I can review the information in question. 

I also asked for their license number and was provided with a tax id instead Tax ID that was provided was XXXX instead of their license number. XXXX XXXX on this on this call the account was being disputed and sent over to XXXX XXXX on XX/XX/2024 my credit report did not indicate that the account was being disputed at any time during this process before and after the call on XX/XX/2024. XX/XX/2024 is the same day they responded to my complaint with the CFPB and closed the complaint by falsely stating that they will contact me and till this day I have not heard anything from Bull City Financial Solutions. The dispute ( XXXX ) was closed with their company with no explanation. I want this account removed from all my consumer reports effective immediately. 

SEE ATTACHED DOCUMENTS UNDER COMPLAINT XXXX AS THE PROOF THAT WAS ALSO SENT PREVIOUSLY IN THIS MATTER. 

I previously requested information on an account that popped up on my credit report. I submitted a request to have the account in question removed while the account was being investigated. Bull City Financial Solutions failed to comply with the request. There were NEVER any communication in the connection of the alleged debt, This is really disheartening to know that Bullcity Financial Solutions can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer. On this site as well as the FTC site I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. It is furthermore disheartening that Bull City Financial Solutions responded with none of the information that was requested XXXX and the representative could not assist with the issue because there were no valid information provided in the connection of the investigation. I want to know what reasonable procedures that were taken in investigating and verifying the information on this erroneous debt, I am asking again for all file disclosures and the full sale file and agreement of this debt when it was purchased a full audit trail and I am not talking about billing statements that were purchased I am requesting a full audit report on this account and the rights that Bull City Financial Solutions has over this unknown debt all correspondence with proof of delivery via a tracking number. If none of this information can be produced, I am requesting that this account be completely deleted from all of my consumer reports including the soft inquiry that was placed on my report to place this account on my consumer report. Bull City Financial Solutions had no permissible purpose to pull my report in order to place this account on my consumer report without my permission. This is very frustrating knowing that I have been violated and no one is taking my concerns serious enough to provide me with a reasonable investigation as I am entitled to that right. 

Please conduct a reasonable investigation in this matter thank you. 

I HAVE ATTACHED ALL OF MY CREDIT REPORTS THAT SHOWS THAT THE CREDIT REPORTING AGENCY WAS NEVER NOTIFIED THAT THE ACCOUNT WAS IN DISPUTE ALSO ATTACHED ARE OTHER PROOF OF INFORMATION.

Company response to consumer: Closed with explanation