Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested CBE GROUP, XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : FORMAL DEBT DISPUTE, DEMAND FOR VALIDATION & TERMS AND CONDITIONS Account Number : XXXX XXXX XXXX  Alleged Amount : {$220.00} Original Creditor : XXXX XXXX XXXX To Whom It May Concern, This letter serves as my formal dispute of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt, nor do I admit any liability. You are hereby required to provide competent, documentary evidence establishing the validity of this alleged obligation and your legal authority to collect and report it.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity immediately until proper validation is provided. This includes, but is not limited to, collection attempts and the furnishing or verification of information to any consumer reporting agency. 

ACCOUNT AS REPORTED XXXX Account # : XXXX XXXX XXXX XXXX XXXX  High Balance : {$220.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$220.00} Account Status : Open Payment Status : Collection / Charge-Off Creditor Type : Other Collection Agencies Account Rating : Derogatory Creditor Remarks : Placed for collection Original Creditor : XXXX XXXX XXXX Experian Account # : XXXX XXXX XXXX XXXX XXXX High Balance : {$220.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$220.00} Account Status : Closed Payment Status : Collection / Charge-Off Creditor Type : Other Collection Agencies Account Rating : Derogatory Original Creditor : XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$220.00} Account Status : Closed Payment Status : Collection / Charge-Off Creditor Type : Other Collection Agencies Account Rating : Derogatory Creditor Remarks : Subject has not satisfied debt Original Creditor : XXXX XXXX XXXX The inconsistent reporting of this account as open on XXXX  and closed on XXXX XXXX XXXX along with conflicting activity and reporting dates, calls into question the accuracy, completeness, and verifiability of the information you are furnishing. 

REQUIRED DOCUMENTATION ( STRICT COMPLIANCE REQUIRED ) You are hereby required to provide the following : A copy of the original signed service agreement or contract bearing my signature A complete, itemized billing history from XXXX XXXX XXXX Proof of assignment, purchase, or transfer of this alleged debt to CBE Group , Inc. 

The name and address of the original creditor Proof the alleged debt is within the applicable statute of limitations A complete copy of CBE Group , Inc.s terms and conditions governing this alleged account and any authority claimed to enforce it Your state collection license, including license number and issuing authority ( if required ) Be advised that continuing to collect, report, verify, or attempt to collect this alleged debt without first providing full validation constitutes a knowing violation of : 15 U.S.C. 1692e ( False, deceptive, or misleading representations ) 15 U.S.C. 1692f ( Unfair or unconscionable collection practices ) If you are unable to produce the documentation requested above, you are required to immediately cease all collection efforts, close this account, and permanently delete all credit reporting associated with this alleged obligation. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and pursuit of all civil remedies available under federal law. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief