Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Indiana Department of Revenue was served with a letter to close my company 's sales tax account in XXXX. They acknowledged receiving the account closure on a XX/XX/XXXX letter to me. In that letter to XXXX, it clearly states there is no economic nexus and that no tax has been collected, thus there will be no further tax filings In XXXX XXXX issues a warrant for ~ {$590.00} for what they allege are non filing fees. Again a letter was sent to XXXX on XX/XX/XXXX referring to the account closure in XXXX. 

United Collections Bureau Inc was then contracted by XXXX to collect the disputed debt. On XX/XX/XXXX, UCB placed a legal hold on {$590.00} in my company bank account at XXXX XXXX XXXX. On XX/XX/XXXX the money was debited from my account. 

My banker was able to research and provide me the phone # to UCB. Three times between XXXX XXXX I called UCB. All three times I was on hold for XXXX hours and was never connected to an agent On XX/XX/XXXX I was able to obtain their email and began email communications. I was then sent the Tax Warrant that they claimed represented the debt. There was no explanation on the single page warrant. 

I demanded verification of the deb 3 separate times by email, with this same request. 

I hereby formally dispute this debt in its entirety pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 
You have asserted that the debt is correct, yet you have failed to provide proper verification or validation of the debt as required by federal law. A conclusory statement that a debt is valid does not satisfy the FDCPAs verification requirement. 
Until you provide written verification, you are required by law to cease all collection activity, including but not limited to : Collection calls Collection letters Collection emails Credit reporting Further enforcement or escalation For avoidance of doubt, proper verification must include : XXXX. The legal basis for the alleged debt 2. The exact amount claimed and how it was calculated 3. Documentation establishing your authority to collect 4. Evidence that the debt is legally enforceable and not the result of administrative error by XXXX The only response from UCB was this : we have corresponded with the Indiana Department of Revenue where they advised UCB the balance is actively due and correct as of XX/XX/year>. 

In my emails to UCB I showed them proof that XXXX had confirmed receipt of my account closure notice and a separate letter rejecting XXXX 's claim of debt owed. 

Again I emailed UCB and stated the following I acknowledge receipt of the documents you provided purporting to be an Indiana Department XXXX XXXX tax warrant, that are attached These documents do not constitute verification of the alleged debt. A tax warrant is an enforcement instrument, not proof that a debt is valid, legally enforceable, or correctly assessed. 
You have still failed to provide : 1. The legal basis establishing the alleged debt is owed 2. A breakdown showing how the amount claimed was calculated 3. Documentation establishing your authority to collect this specific debt 4. Evidence that the warrant and underlying assessment were lawfully issued 5. Proof that you replied to XXXX with the documents I provided you of my responses and rejection of their claims Notably, the warrant contains material defects, including an internally inconsistent interest calculation date that predates the alleged liability period, further calling the validity of the claim into question. 
Because you have failed to properly verify the debt after a timely dispute, you are required by law to cease all collection activity immediately, including further correspondence, reporting, or enforcement, and to return this account to the Indiana Department of Revenue.

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