Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
To Whom It May Concern, I dispute the response provided by Bull City Financial Solutions regarding the alleged account referenced in my complaint submitted through the Consumer Financial Protection Bureau. Bull City Financial Solutions states that they conducted research and mailed validation of the alleged debt to an address they have on file on XX/XX/year>. However, the company has not provided any documentation demonstrating that this alleged debt belongs to me. The company has failed to provide : The original service agreement or authorization Identification used when the account was created Documentation showing my Social Security number was used with my authorization Documentation showing how my personal information was obtained Account records demonstrating that I requested or authorized the services associated with this alleged debt Simply stating that validation was mailed does not establish that the debt is valid. Additionally, the response submitted appears to be a generic or automated response that does not address the specific information requested in my dispute. The company did not explain : What investigation was actually conducted What records were reviewed How my identity was verified in connection with the alleged account Furthermore, I have received multiple responses from Bull City Financial Solutions containing identical language. I currently have four separate responses with the same wording, which strongly suggests that the company is issuing template or automated responses rather than conducting an individualized investigation of my dispute. Providing identical automated responses to multiple disputes raises serious concerns that a reasonable investigation was not performed, as required under the Fair Credit Reporting Act. Additionally, the company states that validation was mailed to an address they have on file, but they have not confirmed that this address actually belongs to me. Sending alleged validation to an unverified address does not satisfy their obligation to verify the debt or demonstrate that I authorized the services associated with the account. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, debt collectors are required to conduct a reasonable investigation when a consumer disputes a debt and must be able to provide sufficient documentation demonstrating that the consumer authorized the alleged account. Bull City Financial Solutions has not produced any documentation demonstrating that I personally authorized the services associated with this alleged debt. Until proper documentation is produced, the alleged debt remains unverified and disputed. For these reasons, I request that this account be removed from all credit reporting agencies and that collection activity cease immediately unless the company can produce documentation demonstrating that I personally authorized this account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation