Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: IN

Complaint narrative:
Complaint Against : Debt Collector : XXXX  XXXX XXXX XXXX XXXX XXXX 

Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Original Creditor ( Incorrectly Listed by Collector ) : XXXX Address : XXXX XXXX XXXX, XXXX, WA XXXX Statement of Complaint I am filing this complaint against XXXX XXXX XXXX XXXX XXXX and XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and deceptive debt collection practices. 


Legal Violations Based on the facts below, XXXX XXXX XXXX and XXXX have violated multiple federal laws, including : Violations of the FDCPA ( 15 U.S.C. 1692 ) 1692g ( b ) : Failure to properly validate the debt upon request.

1692e : False and misleading representation of the debt.

1692f : Use of unfair and unconscionable means to collect a debt.

Violations of the FCRA ( 15 U.S.C. 1681 ) 1681s-2 ( a ) : Reporting inaccurate or unverifiable information to credit bureaus ( if reported ). 

In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX  XXXX XXXX, claiming that I owed a {$1000.00} debt allegedly assigned by XXXX This collection attempt is completely invalid, unlawful, and violates multiple federal laws under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. The Debt Is Invalid XXXX Is Not a Creditor XXXX is a retailer, not a financial institution It does not issue credit, loans, or payment plans for merchandise. 
XXXX does not have the legal standing to assign or sell a debt because it is not a licensed creditor or lender. 
Even though XXXX partners with XXXX XXXXXXXX  for its co-branded credit card, XXXX itself does not have the authority to collect or assign debts. 
Therefore, XXXX has no legal right to claim a debt exists, let alone send it to collections. 
Since XXXX is not a creditor, this debt does not legally exist. 

2. National Service Bureau Failed to Validate the Debt ( FDCPA 1692g ( b ) ) On XX/XX/XXXX, I formally disputed the debt in writing and requested full debt validation under the FDCPA. This request required them to provide : A signed contract or agreement proving I owe this debt. 
A full, itemized breakdown of how the amount was calculated. 
Proof that XXXX legally assigned the debt to National Service Bureau. 

Instead of complying, National Service Bureau failed to provide any of the required documentation, making their collection attempt unlawful. 

If a collector can not validate a debt, they must cease collection efforts. Continuing to attempt collection without validation is illegal under FDCPA 1692g ( b ). 

3. XXXX XXXX XXXX Engaged in False and Misleading Representations ( FDCPA 1692e ) Their collection letter falsely claims that XXXX is a creditor, which is legally inaccurate. 
Debt collectors can not misrepresent the legal status of a debt. They are attempting to collect on a debt that does not legally exist. 
No documentation proves this debt was legally assigned to them. 
Misrepresenting the identity of a creditor violates FDCPA 1692e, which prohibits " false, deceptive, or misleading representation '' in debt collection. 

4. XXXX XXXX XXXX  Used Unfair and Unconscionable Collection Tactics ( FDCPA 1692f ) Attempting to collect an unvalidated debt is considered an unfair practice under federal law.

They provided no legal proof that I owe this amount, yet they continue collection attempts in violation of my rights.

If they have reported this debt to credit bureaus, it is an illegal attempt to damage my credit with unverified information.

This is a direct violation of FDCPA 1692f, which prohibits " unfair or unconscionable means '' to collect a debt. 

5. Possible Credit Reporting Violations ( FCRA 1681s-2 ( a ) ) If XXXX XXXX XXXX has reported this unverified debt to credit bureaus, it would violate FCRA 1681s-2 ( a ), which requires debt collectors to report only accurate and verifiable information. 
A collection agency can not furnish negative credit information about a consumer without proper verification of the debt. 
Since they have failed to validate the debt, any credit reporting on this account is considered false and illegal. 
If this debt has been reported to XXXX, XXXX, or XXXX, I will take immediate action to have it removed and pursue legal recourse for damages. 

6. Timeline of Events & My Actions to Resolve This XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXXaiming I owed {$1000.00}. 
XX/XX/XXXX I sent a formal debt validation request disputing the debt and requesting legal proof. 
XXXX XXXX, XXXX They failed to provide required documentation and continued collection efforts. 
[ If reported to credit bureaus ] If they reported this debt, it constitutes false credit reporting under FCRA. 
Since National Service Bureau failed to validate this debt and XXXX is not a legal creditor, this collection attempt is completely invalid. 

I have all documents I can upload at any given time. I can email, fax or mail them in. Please let me know. 

So this complaint is for XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation