Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: IN

Complaint narrative:
* * Your Name : * * XXXX XXXX * * Address : * * [ XXXX XXXX XXXX XXXX ] * * City, State ZIP : * * [ XXXX XXXX, IN XXXX ] * * Date : * * XX/XX/XXXX * * Experian * * P.O. XXXX XXXX XXXX, TX XXXX * * RE : * * Notice of Noncompliance Demand for Deletion Due to Failure to Validate * * Report # : * * XXXX * * To Whom It May Concern, * * I am submitting this as a * * formal notice of noncompliance and demand for deletion * * regarding the following account reported on my consumer file : * * Creditor : * * XXXX XXXX XXXX XXXX XXXX * Date Opened : * * XX/XX/XXXX * * Balance : * * {$1300.00} This account is being reported in a manner that is * * incomplete, inaccurate, and unverifiable * * under federal law. I previously filed a complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * regarding this matter. In response, it was stated that validation documentation would be provided to me via mail. * * More than twenty-four ( XXXX ) days have passed, and no documentation has been received. * * As such, you have * * failed to comply with the investigation requirements * * set forth under * * XXXX XXXX. XXXX ( a ) * *. Under * * XXXX XXXX. XXXX ( b ) * *, the furnisher is required to conduct a good faith investigation and review all relevant information. The failure to provide any documentation demonstrates that no reasonable investigation was conducted. * * Additionally, pursuant to XXXX XXXX. XXXX ( a ), any information identified as resulting from identity theft or that can not be properly verified must be blocked from reporting within XXXX ( XXXX ) business days upon receipt of proper notice. Continued reporting of unverified or disputed information constitutes noncompliance with this provision. * * Further, continued reporting of this account without proper validation constitutes reporting of information that is * * incomplete or inaccurate * * in violation of * * XXXX XXXX. XXXX ( b ) * *. The continued collection and reporting activity while this account remains unvalidated may also violate the * * Fair Debt Collection Practices Act * *, including * * XXXX XXXX. XXXX ( b ) * * and * * XXXX XXXX. XXXX ( XXXX ) * *. * * You are hereby given notice that : * * You have already exceeded the statutory timeframe to validate this account You have failed to provide any competent evidence supporting its accuracy Continued reporting constitutes willful noncompliance * * Demand for XXXX : * * Due to your failure to comply with federal law, you are required to * * immediately delete this account * * from my consumer report. Alternatively, if you claim this account is accurate, you must provide the following within * * XXXX days of receipt of this notice * * : Original creditor name and full account number XXXX itemized statement from charge-off to present Date of First Delinquency per * * XXXX XXXX. XXXX ( c ) * * Full chain of title/assignment Copies of any signed agreements bearing my signature Method of verification per * * XXXX ( a ) ( XXXX ) ( B ) ( iii ) * * Failure to comply will result in * * additional complaints and potential legal action for willful noncompliance * *. * * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with explanation