Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
# # NOTICE OF DISPUTE, UNAUTHORIZED DISCLOSURE # # DEMAND FOR CEASE & DESIST, PROOF OF AUTHORITY, AND XXXX VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Credit Bureaus ASSOCIATE XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Disclosure and Use of Personal Information XXXX XXXX Account Reference : XXXX XXXX XXXX. FORMAL NOTICE OF DISPUTE This letter serves as XXXX XXXX formal notice of dispute XXXX XXXX pursuant to the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX, and where applicable, the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seqXXXX XXXX XXXX I dispute the legitimacy of any account, communication, data furnishing, or collection activity associated with my personal identifying information, including but not limited to my * * name, address, phone number, or alleged account data XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED DISCLOSURE OF PERSONAL INFORMATION Based on the evidence in my possession ( including written and electronic communications ), my XXXX XXXX personal information has been disclosed, shared, sold, or otherwise transferred XXXX XXXX to your company XXXX XXXX without my express written consent XXXX XXXX. This constitutes a violation of : XXXX XXXX XXXX 15 U.S.C. 1681b XXXX XXXX Permissible purposes of consumer reports XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) XXXX XXXX Accuracy and privacy protections XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( a ) XXXX XXXX Furnisher duty to report accurate information XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( b ) XXXX XXXX Duty to investigate disputed information No valid consent exists authorizing : XXXX Disclosure to affiliates or non-affiliates XXXX Sale, assignment, or transfer of my data XXXX Use of my personal information for collection purposes Any such disclosure is XXXX XXXX unauthorized, unlawful, and disputed in its entirety XXXX XXXX # # # NO CONTRACTUAL PRIVITY OR CONSENT I have * * no contractual relationship * * with your company. I have XXXX XXXX not provided consent XXXX XXXX for : XXXX Data sharing XXXX Collection communications XXXX Credit reporting XXXX Third-party servicing or assignment Absent lawful authority, your continued use of my information constitutes XXXX XXXX willful non-compliance XXXX XXXX under XXXX XXXX 15 U.S.C. 1681n XXXX XXXX and XXXX XXXX negligent non-compliance XXXX XXXX under XXXX XXXX 15 U.S.C. 1681o XXXX XXXX. XXXX XXXX XXXX DEMAND FOR CEASE AND DESIST Effective immediately, you are directed to : XXXX XXXX XXXX Cease all communication XXXX XXXX with me XXXX XXXX XXXX Cease all data reporting or furnishing XXXX XXXX XXXX XXXX XXXX Cease use, processing, or storage XXXX XXXX of my personal information Any further contact outside of compliance documentation will be deemed XXXX XXXX harassment and unlawful continuation of disputed activity XXXX XXXX ( Authority : XXXX XXXX 15 U.S.C. 1692c ( c ) XXXX XXXX, where applicable. ) XXXX XXXX XXXX DEMAND FOR DOCUMENTATION ( STRICT COMPLIANCE REQUIRED ) If you contend you have lawful authority, you must provide XXXX XXXX all XXXX XXXX of the following within XXXX XXXX 30 days XXXX XXXX XXXX 1. XXXX XXXX Chain of Assignment XXXX XXXX ( complete, unbroken ) 2. XXXX XXXX Bill of Sale / Purchase Agreement XXXX XXXX showing my specific account 3. XXXX XXXX ACDV verification XXXX XXXX submitted to each consumer reporting agency 4. XXXX XXXX Original creditor agreement XXXX XXXX bearing my consent 5. XXXX XXXX Proof of permissible purpose XXXX XXXX under 15 U.S.C. 1681b 6. XXXX XXXX Affidavit of ownership XXXX XXXX from a competent custodian of records Failure to produce these documents constitutes XXXX XXXX admission that no enforceable authority exists XXXX XXXX XXXX XXXX NOTICE OF INTENT If inaccurate reporting, unauthorized data use, or continued communication persists : XXXX I will pursue complaints with the XXXX XXXX CFPB XXXX XXXX XXXX XXXX FTC XXXX XXXX, and XXXX XXXX State Attorney General XXXX XXXX XXXX I will seek XXXX XXXX statutory, actual, and punitive damages XXXX XXXX XXXX I reserve the right to initiate XXXX XXXX civil litigation without further notice XXXX XXXX This letter is not a refusal to pay it is a XXXX XXXX lawful demand for proof and privacy compliance XXXX XXXX XXXX XXXX XXXX REQUIRED RESPONSE Respond XXXX XXXX in writing only XXXX XXXX to the address listed above. No phone calls. No third-party disclosures. No credit reporting during investigation.

Company response to consumer: Untimely response