Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
United Collection Bureau , Inc XXXX XXXX XXXX XXXX, OH XXXX Account number XXXX TO WHOM IT MAY CONCERN You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. 

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

Exhibit ( B ), my consumer report it is evident that United Collection Bureau , Inc, pursuant to 15 U.S. Code 1692e ( 8 ), has communicated false credit information about me, the consumer, to consumer reporting agencies. This communication includes information that they either knew or should have known to be false. This misconduct has had a detrimental impact on my reputation, making it difficult for me to obtain credit extensions. Consequently, I am experiencing emotional distress as a direct result of their actions. Under 15 U.S. Code 1692k ( a ) ( 1 ), United Collection Bureau , Inc is held liable for the actual damages caused by their false reporting, specifically the harm inflicted on my reputation and the resulting effects on my ability to access credit. Furthermore, they are subject to fines of up to {$1000.00} for their unfair and misleading conduct. In addition, pursuant to 15 U.S. Code 1692e ( 10 ) United Collection Bureau , Inc use of false representation or deceptive ( reporting to consumer reporting agency ) means to collect or attempt to collect any debt or to obtain information concerning a consumer., pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to XXXX Pursuant to United Collection Bureau , Inc, I assert that they have violated 15 U.S. Code 1692d ( 1 ) by using criminal means of identity theft to harm my reputation. As a consequence of this misconduct, I hold them liable for actual damages and emotional distress under 15 U.S. Code 1692k ( a ) ( 1 ). In addition your actions hold you liable and subject to fines of up to {$1000.00} Civil liability for willful noncompliance pursuant to 15 U.S.C. 1681n, for failing the requirement set forth pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) furnish a report not In accordance with the written instructions of the consumer to whom it relates. In Conjunction your actions hold you liable and subject to fines of up to {$1000.00} Civil liability for negligent noncompliance 15 U.S.C. 1681o for failing the requirement set forth pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) furnish a report not In accordance with the written instructions of the consumer to whom it relates. 

While United Collection Bureau , Inc claims to be a " Furnisher '' of information and asserts their obligation to furnish accurate information, it is important to note that pursuant to 12 CFR 1022.41 ( c ) ( 2 ), they can not be considered a " Furnisher '' because they are acting as a " consumer reporting agency '' as defined by 15 U.S. Code 1681a of the Fair Credit Reporting Act ( FCRA ) .My identifying information, which includes my name, social security number, government identification number, date of birth, and account number ( a unique electronic identification number used to identify me as the consumer ), falls within the definition of identifying information outlined in 12 CFR 1022.3 ( g ) ( 1 ). When combined with information about my transactions and experiences, this constitutes a consumer report under 15 U.S. Code 1681a ( d ) ( 1 ) ( A ). It is crucial to recognize that XXXX XXXX XXXX, is a consumer reporting agency because this information pertains to my creditworthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of assessing my eligibility for credit. Additionally, it directly impacts my credit score as specified in 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ). 

In addition United Collection Bureau , Inc engage in any conduct to harass, oppress, and abuse i the consumer in connection with the collection of a alleged debt, as shown in exhibit ( B ) pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language stating ( i owe a debt ) holds you liable to fines up to 1,000 pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such actions from XXXX XXXX XXXX I the consumer pursuant to 15 usc 1692c ( d ), Pursuant to 15 usc 1692c ( c ) i am refusing to pay this debt and demanding you to cease all communications pursuant to 15 usc 1692a communications means the conveying of information regarding a debt directly or indirectly to any person through any medium including any and all including consumer reports, consumer reporting agency, debt collectors, family, friends, associates, social media Pursuant to 15 usc 1692c ( c ) ( 2 ) i am invoking my specified remedy as the creditor who created this debt, Pursuant to 15 usc 1692c ( c ) ( 1 ) i am demanding you to terminate all debt collections efforts notification shall be complete upon receipt of letter With Explicit Reservation of all Right, Without Prejudice UCC 1-308. 
XXXX XXXX

Company response to consumer: Closed with explanation