Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am submitting this complaint regarding Bull City Financial Solutions , Inc. and their attempt to collect an alleged debt they claim originated from XXXX XXXX. I formally requested validation of this alleged debt and specifically asked Bull City Financial Solutions to provide documentation verifying that this account belongs to me. My request included the identification used to create the account, documentation showing my Social Security number was used with my authorization, the original signed agreement or authorization for services, and records explaining how my personal information was obtained and linked to this account. Bull City Financial Solutions did not provide any of the documentation I requested. Instead, they sent documents referencing XXXX XXXX that do not verify that this account belongs to me. The documents contain no signed agreement, no identification records, no authorization, and no proof that my Social Security number was used with my consent. Additionally, the documents reference a service date of XX/XX/year>. I have never had a hospital visit or received medical services on that date, which raises further concerns regarding the validity and accuracy of this alleged account. Bull City Financial Solutions has failed to answer any of my specific requests regarding verification and continues to reference documents that do not connect this account to me. I believe the companys actions constitute several violations of federal consumer protection laws, including : 1. Failure to Properly Validate the Debt FDCPA 809 ( b ) After receiving my dispute and request for validation, the company failed to provide adequate documentation verifying that I authorized the alleged debt or that the account belongs to me. 2. Misrepresentation of the Debt FDCPA 807 By attempting to collect a debt without providing proof that I authorized the account or received the services, the company may be misrepresenting the character, amount, or legal status of the alleged debt. XXXX. Attempting to Collect Without Reasonable Investigation Bull City Financial Solutions has not demonstrated that they conducted a reasonable investigation to confirm that this alleged account actually belongs to me. XXXX. Failure to Provide Documentation Linking the Consumer to the Debt The company has not provided identification records, Social Security verification, signed authorization, or any documentation connecting me to this alleged account. 5. Potential Reporting of Unverified Information to Consumer Reporting Agencies FCRA 623 If this account has been reported to credit reporting agencies without proper verification, this may constitute furnishing inaccurate or unverified information. If Bull City Financial Solutions believes this account is valid, they should upload the following documentation directly through the CFPB complaint portal : The original signed authorization or agreement for services Documentation showing the identification used to establish the account Records showing how my Social Security number was obtained and verified Documentation proving that I authorized the services allegedly provided Records showing how this account was associated with me At this time, none of this documentation has been provided. Because Bull City Financial Solutions has failed to properly validate this alleged debt and has ignored my requests for verification, I am requesting that they immediately cease collection activity and ensure the account is not reported to any consumer reporting agencies unless proper validation is produced. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation