Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: LA

Complaint narrative:
To Whom It May Concern : This letter is in response to your communication regarding collection of {$440.00} dated XX/XX/year>. I formally dispute this alleged debt in its entirety. 

Be advised that I have no knowledge of this alleged debt, and I have no contractual or legal obligation to pay your company or the original creditor you named. This is a formal request for validation of the debt, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ),

15 U.S.C. 1692g. Your legal obligation under 15 U.S.C. 1692g ( a ) is to provide me with t
he following verification information : The name and address of the original creditor, if different from the current one. 

A complete payment history, including a breakdown of the principal, interest, fees, and any other charges that comprise the alleged debt. 

A copy of the original signed agreement or contract that legally binds me to this debt, bearing my signature and outlining the terms and conditions. 

Documentation proving that your company is legally authorized to collect this debt in my state. 

Documentation providing a clear chain of title, demonstrating how the debt was transferred from the original creditor to your company, proving you have the legal standing to collect it. 

Furthermore, until you provide this full validation, you must cease all collection activities. The FDCPA, 15 U.S.C. 1692g ( b ), states that if a consumer disputes the debt in writing within 30 days of initial communication, the collector must cease collection of the debt until verification is mailed to the consumer. 

Take note of the following : This is not a request for " verification '' that you have my name and address. I am demanding validation that I have a legal, contractual obligation to pay you. 

If you have already reported this invalid debt to any credit reporting agency ( XXXX XXXX XXXX XXXX  ), you must immediately mark the account as " disputed '' as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

If you can not provide the requested validation, particularly the signed contract, you must immediately cease all collection efforts and permanently delete this account from my credit file. 

Any continued collection activity, including reporting this account to the credit bureaus, without providing the full validation I have requested, is a violation of the FDCPA and FCRA. 

I expect your compliance with federal law. You have 30 days from the receipt of this letter to provide the requested validation. If you fail to do so, you must close this account, cease all collection activities, and remove any information you have placed on my credit report. 

Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General. I will also pursue all available legal remedies against your company for violations of the FDCPA and FCRA. 

Sincerely,

Company response to consumer: Closed with explanation