Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX and U.S. Department of the Treasury Summary of the Issue : On or about XX/XX/XXXX, U.S. Department of the Treasury  and XXXX XXXX XXXX XXXX reported a derogatory account to my TransUnion credit report. I did not become aware of this account until XXXX XXXX XXXX I was never notified prior to this reporting and did not receive any dunning letter, as required by 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), which mandates a written notice ( " dunning letter '' ) be sent within five days after initial communication or attempt to collect a debt. 

Violation of Law : 1. 15 U.S. Code 1692e ( 8 ) : XXXX XXXX XXXX XXXX reported negative information to the credit bureaus without first communicating with me or sending a proper notice to verify the alleged debt, which constitutes false, deceptive, or misleading representations. This section prohibits a debt collector from communicating or threatening to communicate to any person credit information which is known or should be known to be false. 
XXXX. 15 U.S. Code 1681s-2 ( a ) : Furnishers of information to credit reporting agencies must provide accurate information. Reporting two different account addresses and amounts on different credit bureaus ( XXXX vs. another bureau ) violates the duty to report with consistency and accuracy. 
XXXX. 15 U.S. Code 1681s-2 ( b ) : Upon receiving a dispute ( which I mailed on XX/XX/XXXX and they signed for by agent XXXX XXXX XXXX cant make out the last name but its signed ) on XX/XX/XXXX ), the furnisher must investigate and correct or delete inaccurate information. As of XX/XX/XXXX, I have received no response, and the false reporting continues, suggesting willful noncompliance. 
XXXX. 15 U.S. Code 1681n & 1681o : These sections provide for civil liability for willful and negligent noncompliance, respectively. XXXX XXXX XXXX XXXX & The U.S. Department of the Treasurys continued reporting after receiving noticeand failing to verifydemonstrates willful and negligent conduct. 


Details of the Incident : When I contacted the number listed on my XXXX credit report ( XXXX ), I was told on a recorded line ( which I have a copy of ) that they had sent a notice to a XXXXXXXX XXXX addresswhich is not my address. This suggests the notice was never received by me, and likely returned to them as undeliverable. 
I then sent a Debt Validation and Verification request to them on XX/XX/XXXX ( which they signed for on XX/XX/XXXX ), formally requesting : Proof of Debt Ownership and Specific Details : * The name of the original creditor and contact information * A complete account of what the debt pertains to * A clear explanation of when and how this debt was incurred * Copy of the signed contract, agreement, or any documentation bearing my wet signature that legally obligates me to this debt * A record of any payments made on this account if applicable and how there were made * Your ownership of this debt * The amount allegedly owed * Documentation supporting the debt * A full accounting of the debt * Cessation of all collection efforts per 15 U.S.C. 1692c ( c ) They have not responded, and they have continued to update and report this debt, even labeling it " closed '' while still actively reportinganother deceptive act. 

Further, I also sent the same notice to the U.S. Department of the Treasury, whose name is listed on the other credit report with a different address and phone number : US DEPT OF THE TREASURY XXXX XXXX XXXX XXXXXXXX XXXX XXXX | ( XXXX ) XXXX That mail was returned undelivered ( NSS/NSN ) XXXX raising serious red flags of fraud or misrepresentation. 

Additional Concerns : * Two different amounts are reported under the same alleged debt. 
* Two different addresses and phone numbers are associated with this debt across credit bureaus. 
* These discrepancies violate Fair Credit Reporting Act ( FCRA ) standards under 15 U.S.C. 1681e ( b ) for failure to maintain maximum possible accuracy. 
* If XXXX XXXX XXXX or the Department of the Treasury intercepted or garnished my tax return, they must refund the full amount collected unlawfully. 
* I have lost money due to return mail and negative credit reporting, and I am seeking monetary relief for the emotional distress, time, and financial damage caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation