Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
Consumer has received offer from your company. The listed account is an account you are claiming to be mine. Your company states that you a debt collector collecting on a previous debt. I ask for United Collection Bureau to produce promissory note, original signed contract, bill of sale with price or purchase order, evidence of lien, evidence of my signed authority for your company to solicit me using my private personal information that I never provided to United Collection Bureau. This is a false and misleading practice of deception. This is identity theft. You are violating the FDCPA and CalCivCode 1565-1590 contract law. If United Collection Bureau have a valid contractual agreement signed by consumers agent that require the consumer to pay on a promissory obligation, then United Collection Bureau must provide that contract to consumer as proof. United Collection Bureau chooses to violate Rosenthal Fair Debt Collection Practices Act.

Because the consumer has no legal obligation to United Collection Bureau, EXCEPT TO RESPOND TO THIS NOTICE then United Collection Bureau must cease and desists all communications including consumer reporting communication. 15 U.S. Code 1692c states a debt collector may not communicate with consumer without prior consumer directly consenting to debt collector. As the consumer previously stated to United Collection Bureau, under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer furnishing of information and consumer report can not have personal transaction history. Consumer points out according to 12 CFR 1016 you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. It further states that the consumer has the right to opt out at any time. You failed to provide either of this information within the letter to consumer. YOU MUST NOT REPORT TO CONSUMER REPORT. 12 CFR 1022.24 reasonable opt-out opportunity must be provided.

As stated before you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize United Collection Bureau to obtain in anyway my private information including alleged debt and use it against me.

As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION.

The consumer will take it a step further in seeking remedy per 15 USC 1692k. The consumer MAY demand compensation for each month of violations of {$1000.00} per month until account is removed if reported on consumer report. Failure to comply will lead to identity theft complaints with the FTC and Comptroller. By continuing the use of my personal stolen information, I may also file complaint with XXXX of California. I may also seek audit via IRS. I take my consumer rights very serious. Please unless concerning remedy to me United Collection Bureau must cease and desist all other communications including consumer reporting. Consumer may use all information against you as proof of claim for potential lawsuit.

Company response to consumer: Closed with explanation