Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Collection Bereau of XXXX XXXX XXXX and XXXX Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section ates : no consumer reporting agency may make any consumer report containing any of the following items formation Any other adverse item of information, other than records of convictions of crimes which antedates the repo by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The accounts below have violated my rights. 

Please delete the accounts below : XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Opened : XX/XX/XXXX - Balance {$4500.00} Acct # : XXXX FCRA Violations Under FCRA XXXX ( A ), I am entitled to a credit report that is fair and accurate. As per FCRA XXXX, you are required to conduct a proper reinvestigation of disputed accounts, and under XXXX, furnishers of information must not report data they know or should know is inaccurate. 

Furthermore, under FCRA 605B, you are legally required to block any fraudulent information from appearing on my report within XXXX business days of receiving notice, proper identification, a written statement, and a police report or FTC affidavit ( which I am prepared to provide upon request ).

Under FCRA 609 ( e ), I am also entitled to obtain all business records related to the fraudulent accounts listed below, which may help identify the perpetrator and support legal or law enforcement action.

Failure to comply constitutes willful noncompliance under FCRA 621, making TransUnion and data furnishers subject to civil penalties, actual damages, punitive damages, and attorneys fees.

Demand for Immediate Action You are hereby instructed to : 1. Block and permanently delete the fraudulent accounts listed above.

2. Provide written confirmation that these accounts have been removed.

3. Refrain from re-reporting any of these accounts unless independently verified and confirmed through proper legal documentation.

4. Cease any further communication regarding these accounts, except to confirm their removal or for the purposes of official identity theft resolution.

Should you fail to comply with this notice, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuing legal action under the full scope of the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation