Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
United Collection Bureau calling one of my family members on XX/XX/2020 at XXXX XXXX. over a debt that is not theirs or I don't know what they are talking about, This company keep asking my for my name, birthdate, and the last 4 of my SS number without them telling me where they are located and anything about their company. They have violated Fair Debt Collection Practices Act. They violated section 804. Acquisition of location information I called them on XX/XX/2020 a lady name XXXX answered the phone I ask XXXX for their location and what did UCB stand for she told me that she did not their address and XXXX told me what UCB stood for. XXXX put me on hold the next thing I know a supervisor name XXXX XXXX to me to XXXX them and he was not going to tell me where this UCB was located I found out they are United Collection Bureau I respectfully request that you provide me with the following : 809. Validation of debts I'm requesting ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that notifies the me the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

( 5 ) A written request statement within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor.

( 6 ) Proof that your are licensed to collect debts in Indiana.

( 7 ) Proof of the last payment made on the account debt you call about.

I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights.

I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights. 
Because I am disputing this debt in writing within my 30 days as of XX/XX/2020 after my first ever contact with XXXX, and supervisor XXXX XXXX from United Collection Bureau. You must obtain verification of debt against me and mail these items to me at your expense. You can not add interest or fees and any attempt to collect this debt without validation, it violated the Fair Debt Collection Practices Act If you have already reported this debt to any credit-reporting agency or credit bureau then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation