Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Dear sir Or Madam at the CFPB, I am writing this formal complaint Towards : Collection Bureau of America I pulled My credit Report after Receiving this Intimidating Letter with an Intimidating Collection Amount, Dated : XX/XX/XXXX in the amount of {$3100.00}. 
And I found that Collection Bureau of America has been Reporting on my credit reports for the past few years. How are collection agencys such as this one allowed to just report Anything for any one with out any proof? Isnt that a violation of anyones consumer rights? Not only was I not aware of this collection I am actually very surprised they are reporting it on my credit report, since XXXX XXXX XXXX and XXXX Account is still open and has been open since XXXX of XXXX. I have attached proof of my current account and the letter sent to me by Collection Bureau of America! along with an Invoice I will produce in court and the violations committed so far! 
Now let me Backtrack a little, Mid last year I had another Collection agency send me a collection notice for the same XXXX  account and I sent them a 609 Validation letter. They just sent me an Itemized Bill ( which is not a proper form Validation! ) after I called them out on it, the following month I was being sued by them. I then retained an attorney and in court it came to light that that account they were coming after me for had no viable contract with my signature from XXXX nor did I have a contractual agreement with the Debt Buyer/collector. My attorney also asked for validated proof of a Purchase agreement from XXXX stating they Sold XXXX XXXX  alleged account directly to the debt buyer, and the debt was not bought as one with many others. Along with other documents the Attorney requested. It was proven in court that the account I was being sued for was not at all mine. At the end My attorney countersued for All violations and we were awarded the case. 
Now here I am receiving letters on the same account again! From : Collection Bureau of America. 
I have already forwarded everything to my Attorney! 
I demand that Collection Bureau of America : Seize and desist any and all forms of Communication, collection attempts and collection reporting to any credit reporting agency Immediately, until they can provide all proper Validation as required By FCRA. 
( I was already awarded {$1000.00} per violation on the previous case and I am very well aware of my Rights as a consumer! ) So far Collection Bureau of America, Has violated : 15 USC 1692k civil liability for Damages 15 USC 1681e ( b ) accuracy of reports.

15 USC 1681s-2 ( b ) Responsibilities of furnishers.

15 USC 1681s-2 ( a ) Reporting information with actual knowledge of errors.

15 USC 1692g ( a ) Failure to provide notice of consent on an initial Communication.

15 USC 1692c ( a ) Failure to give prior consent for attempting to communicate and collect on a debt. 
15 USC 1692d ( 2 ) The use of profane language used and meant to harass, intimidate or stress an individual.

Please see attachments and INVOICE FOR VIOLATIONS!

I will be looking forward to : Collection Bureau of Americas Response. 
Now given all the CFPB finding against XXXX and XXXX on their Sham Investigation, methods of Validating and reporting Inaccurate Data and it being the reason they are Being investigated and being sued Shouldnt Debt buyers be held in the same responsible manner? 
Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation