Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDITORS BUREAU ASSOCIATESXXXX XXXX XXXX XXXX XXXX: Formal Debt Validation Request\nAccount Number: XXXX] \nDear Sir/Madam,\nI am in receipt of your communication regarding the alleged debt referenced above, and I hereby invoke my legal rights under the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C.  1692g, to request full validation of this debt. Please be advised that I dispute the validity of this debt and require strict proof of the same. The following documentation is required to properly validate this debt, and failure to provide the requested information will result in the removal of the debt from my credit report and cessation of all collection effortsXXXX  1. Verification of Debt and Original Creditor Information\nUnder 15 U.S.C.  1692g(a)(1), you are required to provide verification of the debt. This is not limited to a mere statement of the amount owed but must include specific and detailed evidence of the debts origin and history. Please provide:\n- The name, address, and contact information of the original creditor.\n- The full account number associated with the original credit agreement.\n- A copy of the complete transaction history for the account, including all charges, payments, and adjustments made since the inception of the alleged debt.\n- Documentation proving that the alleged debt is currently owed and has not been discharged, settled, or written off. If the debt has been sold, assigned, or transferred, you must provide full details of the assignment, including the exact date and nature of the transfer.\XXXX  2. Original Agreement/Contract\nUnder 15 U.S.C.  1692g(a)(2), you must provide evidence of the original agreement or contract bearing my signature. This document must include:\n- A copy of the original signed contract or agreement between myself and the original creditor that specifically identifies the terms, conditions, and payment obligations, as well as the item(s) or service(s) I am purported to owe for.\n- The original purchase agreement or sales contract (if applicable) showing that the alleged debt is the result of a lawful, executed transaction.\n- Itemized receipts or invoices corresponding to the original contract, clearly listing the charges, products, or services associated with the debt.\nThis document must include my signature in the form of an original or legally binding electronic signature, along with the date of signing. Any document that is not an original, a true copy, or an admissible version of the agreement will be considered inadequate.\XXXX 3. Debt Ownership and Chain of Title\nIf this debt has been transferred, sold, or assigned, you are required to provide proof of the chain of title. This includes:\n- The name of each entity that has owned or serviced the debt, with documentation showing each assignment from the original creditor to each subsequent entity in the chain, up to the current debt holder.\n- A detailed assignment or transfer document that demonstrates that you, or the original creditor, have the legal right to collect this debt on behalf of the original creditor. The document must include the exact terms of the assignment, as well as the date of transfer and the amount of the debt at the time of the transfer.\nFailure to provide a complete and legal chain of title will be considered a violation of the FDCPA.XXXX 4. Complete Proof of Debt Calculation\nUnder 15 U.S.C.  1692f, the FDCPA prohibits debt collectors from engaging in any unfair practices. Therefore, I require a complete breakdown of the calculation for the debt claimed, including:\n- A detailed itemization of the principal balance, any interest, fees, penalties, and any other charges that make up the total amount claimed.\n- Documentation showing that the interest rate and any fees applied to the debt were agreed upon in the original contract, and that these charges are legally permissible under the law.\n- Evidence that the amount of debt is accurate and that there are no errors or illegal charges (including credit insurance, late fees, or other potentially invalid additions)XXXX  5. Cessation of Collection Activity and Reporting\nIf you are unable to provide the documentation requested above, you are legally obligated to cease all collection activities, including reporting this alleged debt to credit bureaus. Under 15 U.S.C.  1692g(b), you are prohibited from continuing collection efforts or reporting the debt to credit bureaus until this debt is properly validated.\nIf you do not respond to this request within 30 days, as required by the FDCPA, this alleged debt must be removed from my credit report immediately, and no further collection attempts may be made.\XXXX 6. Failure to Validate and Legal Consequences\nI also remind you that under 15 U.S.C.  1692e, any false or misleading representations regarding a debt are prohibited. If you fail to provide the requested documentation, you may be in violation of federal law. If no validation is provided, I will seek the removal of this item from my credit report, and I will consider further action, including filing complaints with the Consumer Financial Protection Bureau (CFPB) and the Attorney General in your state.\nI expect your response within 30 days. Please note that if I do not receive full and valid documentation, I will consider this debt to be invalid and request that you immediately remove it from all credit reporting agencies.\nThank you for your attention to this matter. I trust you will handle this request with the utmost urgency and in compliance with applicable laws.\nSincerely,XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation