Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year>XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Re : Formal Dispute Bull City Financial Solutions XXXX XXXX XXXX XXXX  NOTICE OF FORMAL DISPUTE AND DEMAND FOR IMMEDIATE REMOVAL Dear Bull City Financial Solutions , I am writing to formally dispute the reporting of the account listed as Bull City Financial Solutions XXXX XXXX XXXX Florida XXXX This account is duplicate, unvalidated, and unlawfully reported, constituting multiple violations of federal law, defamation of my character, and causing severe emotional and financial hardship. 

Account in Dispute Bull City Financial Solutions XXXX XXXX XXXX Florida Violations of Federal Law : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) failure to properly investigate disputed information.

15 U.S.C. 1681s-2 ( b ) failure to correct, update, or delete inaccurate or unverified information.

15 U.S.C. 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) false, misleading, and unfair collection practices, including reporting unverified debt. 

Why/How : The alleged debt has been reported without validation or proof, and no purchase/assignment agreement with my wet signature has been provided. Reporting unverified debt is illegal and a violation of FDCPA & FCRA. 

The account represents a duplicate and unlawful attempt to collect this debt. Reporting it multiple times constitutes double reporting, which is illegal under FCRA 1681e ( b ) & 1681i ( a ).

The debt was allegedly sold to the collection agency without proper documentation, which is a violation of federal consumer law. 

Reporting unverified and duplicate debt constitutes defamation of my character, causing severe emotional distress and financial hardship, including difficulty obtaining credit, housing, and other essential services. 

My only address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Any reporting associated with other addresses is inaccurate, unauthorized, and further defamatory. 

Action Required : Provide full documentation verifying this debt, including the original purchase/assignment agreement with my wet signature, or Delete all reporting related to this account immediately, as continued reporting without verification is illegal, defamatory, duplicate, and an unlawful collection attempt.

Demand for Immediate Removal You are hereby given 15 calendar days from receipt of this letter to : Delete all negative reporting related to this account, including duplicate/unverified entries, or Provide full, verifiable documentation, including original assignment agreements with wet signature.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office for violations of : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) ( FCRA ) 15 U.S.C. 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) ( FDCPA ) This letter is a formal dispute of all reporting related to this account, which is inaccurate, unvalidated, duplicate, unlawful, defamatory, and causing severe emotional and financial hardship. 

All communications must be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation