Consumer complaint received 2025-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/XXXX Subject : Complaint Against The Bureaus , Inc. and XXXX for Reporting and Retaining an Unauthorized Collection Account Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding an unauthorized and unverified collection account being reported by The Bureaus, Inc. , which appears on my credit report through Experian.

The information being reported is as follows : Account Name : The Bureaus , Inc . 

Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account, {$460.00} past due as of XX/XX/XXXX Balance Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX I have never opened, authorized, or held any account with this company or any creditor that would have resulted in this collection. I first discovered this entry while reviewing my credit report. I immediately filed a dispute with Experian, stating that the account is not mine and requesting verification or removal. 

However, Experians response indicated that the account would remain on my credit report, despite no verification or supporting documentation ever being provided by The Bureaus , Inc . 

This situation violates multiple consumer protection laws, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit bureaus to delete or correct information that can not be verified ; and The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires a debt collector to provide proof of the debt upon request before continuing collection activities.

To date, I have not received any documentation from The Bureaus, Inc. showing that I am legally responsible for this debt, nor have I been provided with any original creditor information to confirm the debts origin. The Date Opened of XX/XX/XXXX, is especially concerning because I have no history of opening any account or taking any credit-related action during that time. 

This false entry has caused significant harm to my credit standing, lowered my XXXXredit score, and created emotional distress. It appears to be either a case of identity theft or misreporting, and it must be corrected.

Requested Actions by CFPB : Investigate The Bureaus , Inc. for failure to validate this debt and for reporting inaccurate or fraudulent information.

Require Experian to immediately remove this unverified account from my credit report.

Confirm that no other credit bureaus are reporting this same unverified collection.

Require The Bureaus, Inc. to provide documented proof ( including signed contracts, statements, or assignment records ) that this debt belongs to me or cease all collection and delete all reporting.

Summary of Violations : Reporting and retaining inaccurate or unverified debt information ( FCRA 1681i ).

Failing to provide debt validation upon consumer dispute ( FDCPA 809 ).

Continuing collection and credit reporting without verification.

I am requesting that the CFPB assist in ensuring this unverified and unauthorized collection account is immediately removed from my credit report and that The Bureaus , Inc. ceases any further communication or reporting until proper proof is produced. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation