Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Cease and Desist & FCRA Dispute Letter Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2025 First National Collection Bureau , Inc . 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Demand & FCRA Dispute Account Number : XXXX Claimed Balance : {$450.00} To Whom It May Concern, I am formally disputing the above-referenced account allegedly being reported and/or collected by First National Collection Bureau , Inc . I assert that I do not owe this debt, and you are reporting and/or attempting to collect inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. FCRA Dispute Failure to Report Accurate Information Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate and fully verifiable information. You are prohibited from reporting information that is inaccurate, incomplete, unverified, or can not be substantiated.

I dispute the accuracy, legitimacy, ownership, and validity of this account. Therefore, you must conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ).

If you are unable to provide full validation and documentation showing that I legally owe this debtincluding the original signed contract, complete payment history, itemization, chain of ownership, and proof of your authorization to collectyou must immediately request deletion of this account from all consumer reporting agencies.

2. FDCPA Cease and Desist 15 U.S.C. 1692c ( c ) This letter serves as a formal cease-and-desist demand. Under 15 U.S.C. 1692c ( c ), you must stop all communication with me regarding this alleged debt except for the limited purposes explicitly allowed by law.

3. Validation Request 15 U.S.C. 1692g ( b ) You are required to provide written validation of the alleged debt, including : - The original creditors name - The original signed contract or agreement - A complete accounting and itemization of the alleged balance - Documentation proving the account ownership and legal assignment - Proof that you are legally authorized to collect in California Until full validation is provided, you must cease all collection activity and cease all reporting to XXXX XXXX and XXXX. 



4. Required Action If you can not provide the required validation, you must : 1. Delete the account from all credit reports under FCRA 1681s-2 ( a ) ( 1 ) ( A ) 2. Cease all collection activity under FDCPA 1692g ( b ) and 1692c ( c ) 3. Refrain from re-adding or re-reporting the account without full compliance, per FCRA 1681i ( a ) 5. Notice of Intent Failure to comply will result in complaints being filed with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - The California Attorney General I will also pursue my rights under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance with the FCRA. 



Please respond in writing within 30 days. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation