Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
It showed up on credit report - not sure what it is? I called and they began making accusations and harassing me with calls pretending to be a loan company. I told them I need a validation letter, which I never received within 5 working days, per Texas law, and I never received anything in the mail or otherwise stating I have a debt or bill. I told them this is not my debt. I aked for an account number the second time I called them. as they have not done anything to proceed forward, but ask me if I want to pay {$37.00} to clear a debt that is not mine off my credit report I sent them this letter today after the lady on the phone was rude, threatening and made false allegations. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date : XX/XX/year> United Collection Bureau , Inc. ( UCB ) XXXX XXXX XXXX. XXXX, OH XXXX Via Certified Mail Return Receipt Requested RE : Formal Notice of Fraudulent Medical Debt : Demand for Validation, and Demand for Deletion of Credit Report Immediately Account Reference : XXXX Amount Reported : {$980.00} To Whom It May Concern : This letter serves as formal notice that the above-referenced account is fraudulent and is disputed in its entirety. On XX/XX/year>, I contacted your office to request validation of this alleged debt on my credit report. To date, I have received no written validation, itemized invoice, or documentation substantiating this claim. Under the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Texas law ( Texas Finance Code 392 ), a debt collector must provide written validation within five ( 5 ) days. Your failure to do so renders this alleged debt invalid and fraudulent. On XX/XX/year>, I contacted your office again to obtain an account reference number, which was not provided during my initial communication. Your representative was unable to confirm whether a validation notice had ever been sent and admitted that your company does not have an itemized invoice or detailed accounting of this alleged debt, and I was advised that I should go get it myself. Despite the absence of documentation, your company continues to report this fraudulent account to consumer reporting agencies and then perceives to harass me. I do not recognize the alleged original creditor and have never received : An invoice or itemized billing statement A written notice from the alleged original creditor No written notification from your company that you intended to report false debt on my credit report A proper written validation letter from United Collection Bureau , Inc with in 5 days. Additionally, your representative made unsupported accusations regarding this alleged debt without providing any documentation and was very argumentative and not fact-driven. Reporting and attempting to collect a debt that is fraudulent violates my rights under Chapter 146 of the Texas Civil Practice and Remedies Code and may constitute further violations of federal law. Attempting to collect or report a debt without proper documentation, especially one that is fraudulent, may violate : Texas Finance Code 392.202 Texas Finance Code 392.304 ( a ) ( 8 ) ( misrepresentation of the character, extent, or amount of a consumer debt ) Chapter 146 of the Texas Civil Practice and Remedies Code Fair Debt Collection Practices Act Fair Credit Reporting Act Accordingly, I demand immediate written confirmation of the following within ten ( 10 ) working days : 1. Immediate deletion of this fraudulent account from all consumer reporting agencies, with written confirmation that deletion has been completed. 2. Immediate cease and desist of any contact, including aggressive, verbal, or abusive phone calls from your agents. 3. If you fail to comply within ten ( 10 ) working days of receipt of this letter, I will file formal complaints with the Texas Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I will also pursue all civil and criminal remedies available under Texas and federal law for unlawful collection and reporting of fraudulent debts, including claims for damages, penalties, and attorneys ' fees. This letter constitutes a formal dispute, dismissal, and denial of any obligation to pay the above-referenced fraudulent debt. Any further attempt to collect or report this account will be treated as willful, unlawful, and actionable harassment, exposing your company to full legal and regulatory consequences. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation