Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I am escalating this complaint due to egregious violations of the ( Fair Debt Collection Practice Act ) and refusal to comply with federal consumer protection laws.

Violation Summary : 1. Failure to Provide Mandatory Validation Notice ( 15 U.S.C & 1692g ) per the FDCPA the collector is legally obligated to submit a written debt validation notice within ( 5 ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement.

2. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C & 1692g ( b ) 3. Harm to Consumer Rights : By furnishing invalidated debt to credit bureaus, the collector has unlawfully impaired my credit worthiness and denied me due process to investigate or dispute this alleged debt Demands : Immediate deletion of this account from all credit bureaus Cease All Collection Activities, including credit reporting, until full compliance with FDCPA is achieved Documentation proving strict adherence to 15 U.S.C & 1692g ( a ), including a copy
of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days Legal action notice If these demands are not met within 15 days, I will pursue all available remedies Filing a civil lawsuit under FDCPA ( 15 U.S.C & 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees.

SubI am escalating this complaint due to egregious violations of the ( Fair Debt Collection Practice Act ) and refusal to comply with federal consumer protection laws.

Violation Summary : 1. Failure to Provide Mandatory Validation Notice ( 15 U.S.C & 1692g ) per the FDCPA the collector is legally obligated to submit a written debt validation notice within ( 5 ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement.

2. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C & 1692g ( b ) the collector explicitly stated that they are not obligated to provide evidence this assertion is false and constitutes a direct violation of federal law.

3. Harm to Consumer Rights : By furnishing invalidated debt to credit bureaus, the collector has unlawfully impaired my credit worthiness and denied me due process to investigate or dispute this alleged debt Demands : Immediate deletion of this account from all credit bureaus Cease All Collection Activities, including credit reporting, until full compliance with FDCPA is achieved Documentation proving strict adherence to 15 U.S.C & 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days Legal action notice If these demands are not met within 15 days, I will pursue all available remedies Filing a civil lawsuit under FDCPA ( 15 U.S.C & 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees.

Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance Petitioning credit bureaus for removal under FCRA & 611 due to unverified information mitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance Petitioning credit bureaus for removal under FCRA & 611 due to unverified information

Company response to consumer: Closed with explanation