Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have contacted the credit bureaus XXXX, XXXX, and XXXX several times beginning back in XX/XX/2019 to dispute these collections that continue to be reported on my credit profile. I have also contacted the companies, and NO ONE is providing the accounting requested. I do not request a statement ; which I haven't received that either. I request a full annual comprehensive accounting which shows the asset and the liability side. I need to see where all funds originated from, all funds paid, received, etc. I also have request a copy of the collateral that secures the obligation. 

Even though I have engaged in business previously with the original creditor ; all debts were settled. I also have never received any bills for the amounts being reported, and when I contacted the original creditors ; they have stated that their books do no reflect a debt owed for that amount. It is my understanding that these companies had 30 days to verify that the debt is accurate, and that they must provide an accounting when one has been requested. 

I have previously filed an Identity Theft Report with the FTC file # XXXX when the companies, and the Bureaus failed to verify the accounting, and the collateral that allegedly obligated me to this debt. The Bureaus just say the account was verified without showing how they come to this determination. I have notified the bureaus that I do no consent to E-OSCAR, or any other electronic verification, because I need physical evidence, because it will show that the debt is not mine. 

I am now launching an Identity Theft Complaint against the following companies, because if they can not verify ( VERTFICATION DEFINITION- '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. Sworn or equivalent confirmation of truth ... In accounting, the process of substantial bookkeeping entries in books of account. '' ) these accounts, then all parties are engaging in Identity Theft ( Identity theft occurs when someone uses another person 's personally identifying information, like a person 's name, Social Security number, or credit card number or other financial information, without permission, to commit fraud or other crimes. ). None of these companies have a signed contract with Me. I have authorized none of the companies to use my personal identifying information. I have even went as far as to offer a conditional acceptance and pay the alleged debt upon proof of claim that they provide the accounting documents that I know from my own accounting experience will show if a debt is truly owed. I request a FR 2046, FAS 95, FAS 140, and the original contract ( and if its a copy I need the front and back of all documents ), and all documents need to be submitted by oath, or affidavit sworn under penalty of perjury. They have no problem submitting an affidavit to secure a summary judgement when a billing statement is not paid. I require one to validate the authentication of the documents, because a copy is not an authenticated document. In fact it is a forgery. 

Yet, none of the companies have even made an attempt to offer any response, and my credit score is suffering because of it which has caused financial injury to my property. I suffer higher interest rates ; if I get approved at all. These accounting documents are necessary to validate my claim, because it will show a complete accounting, the actual cash flow, and the collateral that obligates the debts which are mandated upon request, or there are penalties for their refusal. I come to you now to mediate between the corporations, and the Bureaus for their lack of compliance. 

Unfortunately due to the pandemic I can not haul these corporation into court, because I feel that it is necessary to obtain fairness. These companies are obligated to act in good faith. When dealing with my personal identifying information/data/property, they are acting in a fiduciary position. They are administering my trust business improperly, and clearly without authorization. I now place my trust business in your hands, and trust that you will settle the matter accordingly. The companies that are misappropriating my personal identifying information, committing identity theft, not operating in good faith, and causing me and my property injury are : XXXX XXXX XXXX  BULL CITY FINANCIAL {$150.00}, {$130.00}, {$190.00}, and {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation