Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Subject : Violation of Consumer laws ; Dispute of Inaccurate Information/Not my Account Bull city only provided copies of a XXXX statement that looked manipulated, and missing statements pages. The requested information was not provided yet still reported. Report to ALL XXXX CRAs. During the listed time frames listed on CRA does not match the address. 
That statement listed XXXX different addresses, and amounts within the statement differed in separate sections of what was sent. 
Under the FCRA I disputed this debt, and no proper investigation was conducted. Reporting Inaccurate or Unverifiable Information ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ) Creditors and collection agencies must ensure the accuracy of the information they report. Since this account can not be verified, it should not be reported at all. Misrepresentation of Debt Status ( 15 USC 1692e ) It is illegal for debt collectors to misrepresent the status or validity of a debt. Reporting an unverifiable debt as an active collection misrepresents my financial status and negatively impacts my credit.

This has had an Effect on Me : I have a XXXX, and This has caused added stress to my health, and my current health condition. This inaccurate account has damaged my credit score, preventing me from obtaining necessary financial services, and to receive proper necessary housing to support my current health condition.. I have experienced denied credit opportunities and increased interest rates due to this false report. The continued reporting of this account has caused undue stress and financial hardship. 

Ive submitted multiple disputes for the same creditor. Ive had a reinvestigation. I have not received written results of how this account was validated, verified from you nor the furnisher, which I have already requested as well. 

XXXX XXXX XXXX XXXX BULL CITY FINANCIAL, has failed to validate the debt or remove the incorrect information. Their continued reporting of this account violates my consumer rights under federal law and has caused undue financial harm. 

Violations of Federal Law : Failure to Validate the Debt ( 15 USC 1692g ) Under the Fair Debt Collection Practices Act, I have the right to demand validation of any debt before it is reported or collected.

BULL CITY FINANCIAL, NOR the Reporting Agency, has not provided sufficient documentation proving that I owe this debt. Neither has all bureaus ; no copies sent from the creditors for dispute ; Chain of assignment, purchase agreements, Forward flow of agreement. Chain of Ownership, and Valid documentation has not been sent ; billing statements that support these amounts, all payments made to this company, not received. 
Not Supplying proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exist. 

Copies of letters sent that for late payments and negative reporting to CRASs that is required reporting negative information @ about your customers to a nationwide CRA ( for example, XXXX XXXX XXXX XXXX  ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i )

Company response to consumer: Closed with explanation