Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: United Collection Bureau, Inc.
State: DE

Complaint narrative:
To whom it may concern at CFPB, my name is XXXX XXXX. Regarding this matter, it is not a typical dispute. I expect immediate action as XXXX XXXX  is currently in violation. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX  Account Number beginning in : XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

I have XXXX debt collection agencies trying to collect on a debt amount of {$2000.00} for a " XXXX XXXX XXXX XXXX XXXX. The first agency was " XXXX XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX inquiring about the debt and they told me that they no longer are dealing with that debt so I do not have to worry about anything regarding that debt. I also spoke with United Collections bureau Inc. and they told me she has to pay the debt. Finally I spoke with XXXX XXXX  and when I tried to find the account through phone number and social security number, the system could not find the account that they were trying to collect on. When I logged into XXXX  the account was originally opened XXXX XXXX XXXX and the account was reported XXXX  days late XXXX of XXXX. According to US code 15USC 1666B, it states " Creditors must ensure that each periodic statement ( including information required by 15 U.S.C. 1637 ( b ) ) is mailed or delivered to the consumer no later than 21 days before the payment due date '' which I did not receive before being reported to the bureau. According to XXXX the same account was also charged off starting XX/XX/XXXX and still is charged off from its last reported month of XX/XX/XXXX. XXXX  is also stating that this account is closed. When an account is charged off or the debt is sold to a debt collector, the original creditor already got paid which means it is not longer the debt of the card holder since they have done no business with the collections agency. If they are not able to present to me my original signature, original date of the debt, address and phone number of the card holder then it needs to be removed from my credit report and I should not have to pay the debt. 

XXXX XXXX  has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences. 

Please note that it is necessary for XXXX XXXX  to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please have them provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against XXXX XXXX  and third party collection agencies, seeking {$5000.00} for each infraction.

Company response to consumer: Closed with explanation