Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: MN

Complaint narrative:
I am filing this complaint against United Collection Bureau , Inc. for continued reporting of a materially inaccurate, unverifiable, and misleading collection account on my consumer credit reports. This account has already been formally disputed multiple times, yet the company continues to report the same inaccurate and incomplete information without providing any legally required validation or documentation. The account in question is fundamentally defective for several reasons : First, the reporting fails to identify the original creditor, instead listing it as Unknown. This is a critical violation of federal reporting standards. A third-party debt collector can not legally furnish information to consumer reporting agencies without clearly identifying the original creditor. This omission prevents me from verifying the legitimacy of the alleged debt and renders the account incomplete and misleading. Second, there is no verifiable payment history or account-level documentation provided. Without a complete payment ledger, there is no way to confirm the balance, delinquency status, or calculation of the amount being reported. This directly violates the requirement for maximum possible accuracy under FCRA 1681e ( b ) and proper reinvestigation procedures under 1681i. Third, as a third-party debt collector, United Collection Bureau is required to possess and provide validation documentation, including : The original signed agreement Full payment history Documentation identifying the original creditor Legal authorization to collect the debt Balance calculation breakdown To date, none of this documentation has been produced, despite repeated disputes and formal demands. Additionally, reporting a collection account without proper validation constitutes false, deceptive, and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e. Further, I have reason to question the integrity of this account due to known data security concerns, including exposure from the Equifax data breach, which raises serious concerns regarding the accuracy and source of the data being used to report and verify this account. Despite my disputes, the company has continued to report this account without conducting a reasonable investigation. This demonstrates willful non-compliance with federal law, including : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) Failure of furnishers to properly investigate disputes FDCPA 1692e False or misleading representations Moreover, I am aware of unlawful industry practices where disputes are delayed or dismissed based on the assumption that a consumer is working with a third party. Any such delay or failure to investigate is a direct violation of 15 U.S.C. 1681i, and I will treat it as willful non-compliance. This matter has already been escalated, and this complaint serves as my final formal notice. RESOLUTION DEMAND I am demanding the following : Immediate and permanent deletion of this collection account from all consumer reporting agencies A full investigation into how this unverifiable account was allowed to be reported Written confirmation of deletion and correction If this matter is not resolved immediately, I will pursue all available remedies, including escalation to : Federal Trade Commission ( FTC ) State Attorney General Civil litigation for willful non-compliance FINAL STATEMENT The continued reporting of unverifiable, incomplete, and misleading information is unlawful. Failure to correct this issue after repeated notice demonstrates a pattern of non-compliance that warrants regulatory enforcement.

Company response to consumer: Closed with explanation