Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
STRICTLY CONFIDENTIAL COMMUNICATION ATTN : CFPB ; United Collection Bureau Inc ( UCB ) ; XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, XXXX, Chairman ; XXXX XXXX XXXX, CEO ; XXXX XXXX, Compliance Officer. 

RE : UCB XXXX Collections Notice in relation to the XX/XX/XXXX ( DBPR ) ; Acct # XXXX, Ref # XXXX. 

XX/XX/XXXX To Whom It May Concern : In order to avoid filing of a lawsuit against UCB and its agents/affiliates, pursuant to state and federal law, XXXX XXXX hereby demands that UCB and its agents/affiliates immediately CEASE and DESIST from having in its possession any personal details, contact information, and/or other data related to XXXX XXXX, including but not limited to, first and last name, contact/mailing address ( es ), e-mail address ( es ), phone number ( s ), social security number, DBPR documentation, among others, WHEREAS, the foregoing shall be promptly deleted in perpetuity, forever, regardless of the circumstances. 

At all times relevant, XXXX XXXX does not acknowledge receipt of any communication and/or debt owed to UCB, its agents or affiliates, whatsoever, forever, in perpetuity, particularly, a false and frivolous debt of {$6400.00} originating from UCB and its agents/affiliates, i.e. XXXX, denied herein as false and defamatory, bearing no legal responsibility, and subject to damages. 

At all times relevant, UCB and its agents/affiliates committed numerous violations of state and federal laws, in part, as per the following eleven unlawful acts : ( 1 ) failure to provide sufficient evidence confirming verification of debt, ( 2 ) failure to provide a copy of the original agreement bearing XXXX XXXX signature , ( 3 ) failure to provide detailed accounting of alleged {$6400.00} balance, ( 4 ) failure to provide documentation proving UCBs authority to collect on behalf of XXXX, ( 5 ) knowingly committing false representation ( s ) pertaining to the character, amount and/or legal status of an alleged debt, ( 6 ) attempting to collect a debt while knowing that such debt is not legitimate, ( 7 ) asserting the existence of a legal right to collect a debt while knowing that no such legal right exists, ( 8 ) attempting to collect a debt in the absence of a signed agreement, ( 9 ) failure to provide written notice of the assignment of a debt within thirty ( 30 ) days of such assignment, ( 10 ) unlawfully communicating with XXXX XXXX while knowing that XXXX XXXX disputes alleged debt , absent proper validation, ( 11 ) unlawful attempt to collect unauthorized fee, among others, WHEREFORE, presently violating FDCPA, XXXX5 U.S.C. 1692c ( c ), 1692e ( 2 ) ( A ), 1692e ( 10 ), 1692f ( 1 ), 1692f, 1692g ( b ), 1692k ( 2010 ) ; FCCPA, Fla. Stat. 559.72 ( 9 ), 559.72 ( 18 ) ( 2023 ) ; Fla. Stat. 17.20 ( 2 ), 95.11 ( 2 ) ( b ), 559.715, 559.77 ; and relevant case law, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX ) ; respectively, constituting harassment, invasion of privacy, etcetera, subject to statutory damages up to {$1000.00} per violation, actual damages, and attorneys fees. 

Guide Yourself Accordingly. Further Affiant Sayeth Naught. Time Is Of The Essence. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX , pro se, whose mailing address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX personally and individually submitted today, XXXX. 

Confidentiality Notice : The information enclosed with this communication constitute the private and confidential property of the sender, and the material contained herein is privileged intended solely for UCB.

Company response to consumer: Closed with explanation