Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by Bully City Financial for an alleged debt in the amount of {$320.00}. As of XX/XX/XXXX, Bully City Financial has been notified at the address specified in Exhibit ( A ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

Bully City Financial never notified me prior to furnishing the alleged debt or ANY correspondence/communication in regards to the alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Bully City Financial must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until Bully City Financial sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and Bully City Financial has strict liability and must comply with all statutes and regulations set forth. Bully City Financial has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Bully City Financial shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) Midland Funding, LLC v. JJohnson, 137 S. Ct. 1407 ( 2017 ) - Proof of Claim On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by Bully City Financial for an alleged debt in the amount of {$320.00}. As of XX/XX/XXXX, Bully City Financial has been notified at the address specified in Exhibit ( A ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

Bully City Financial never notified me prior to furnishing the alleged debt or ANY correspondence/communication in regards to the alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Bully City Financial must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until Bully City Financial sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and Bully City Financial has strict liability and must comply with all statutes and regulations set forth. Bully City Financial has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Bully City Financial shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) Midland Funding, LLC v. JJohnson, 137 S. Ct. 1407 ( 2017 ) - Proof of Claim

Company response to consumer: Closed with explanation