Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am submitting this follow-up regarding my dispute with Bull City Financial Solutions , Inc. concerning the alleged XXXX XXXX account they claim is associated with me. This is now the third time I have formally requested proper validation of this alleged debt. Instead of providing the documentation requested, the company continues to send automated responses and generic statements claiming validation was mailed without addressing any of the specific verification requests. Bull City Financial Solutions has still not provided any documentation connecting me to this alleged account, including : Identification used to establish the account Documentation showing my Social Security number was used with my authorization Any signed authorization or agreement for XXXX services Any records showing how my personal information was obtained or verified Any documentation proving I received or authorized services on XX/XX/year> Additionally, the address XXXX Singing Woods has been referenced in connection with this alleged account. I want to clearly state that XXXX Singing XXXX is not an address that belongs to me and has never been my residence. This location is part of an elderly residential community known as XXXX XXXX and is not associated with me in any way. Because this address does not belong to me, it raises serious concerns that my personal information may have been used without authorization or that the company failed to properly verify identity before attempting collection. Under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the collector must provide verification of the debt before continuing collection activity. Sending generic or automated responses without providing documentation does not satisfy this requirement. Additionally, attempting to collect a debt without confirming the identity of the consumer may constitute false or misleading representation of a debt under 15 U.S.C. 1692e. If Bull City Financial Solutions believes this account is valid, they should provide the following documentation : The original signed authorization for XXXX services Documentation showing the identification used to establish the account Records showing how my Social Security number was obtained and verified Documentation demonstrating how my identity was linked to this account Documentation proving I resided at the address associated with the alleged account At this time, none of this documentation has been provided despite multiple requests. Because Bull City Financial Solutions continues to refuse to provide proper validation, I am requesting that they : 1. Cease all collection activity immediately 2. Provide proper verification of the alleged account 3. Confirm that this account will not be reported to consumer reporting agencies unless proper validation is produced If proper documentation can not be produced, the account should be immediately removed and collection activity terminated. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation