Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX \XXXX, GA XXXX United Collection Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Failure to Provide Proper Debt Validation Immediate Action Required - Ref. XXXX To Whom It May Concern, Please note that on XX/XX/year> I sent a debt verification letter via certified mail. On XX/XX/year> I received a package full of credit card statements. The agency failed to provide anything requested in the initial debt verification letter. 

Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of the debt you are claiming I owe. I am hereby exercising my right and demanding that you provide me with the following documentation : 1. Verification or copy of any judgment ( if applicable ) ; 2. Complete payment history showing all debits and credits to the account ; 3. Name and address of the original creditor, as required under 15 USC 1692g ( a ) ( 2 ) ; 4. Copy of the original signed contract or agreement that created the debt ; 5. Documentation showing you are licensed to collect debts in my state ; 6. Documentation proving you are authorized to collect this debt on behalf of the current creditor ; 7. Proof that the statute of limitations has not expired o
n this debt ; 8. Validation that you have reported this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 USC 1692g ( b ), you are required to cease all collection activities until you provide the requested validation. Additionally, under 15 USC 1692c ( c ), I am requesting that you cease all communication with me except for the purposes of : 1. Informing me that collection efforts are being terminated ; 2. Notifying me that you may invoke specified remedies which are ordinarily invoked by such debt collector ; or 3. Where applicable, to notify me that you intend to invoke a specified remedy. If you can not validate this debt, I demand that : 1
. All collection efforts cease immediately ; 2. The debt be removed from my credit reports ; 3. A letter be sent to me confirming that the debt has been cleared and collection efforts have ceased.

Any violation of the FDCPA or FCRA will be documented and forwarded to the Federal Trade Commission and the Consumer Financial Protection Bureau. I reserve the right to sue for damages under 15 USC 1692k if violations occur.

This letter is an attempt to resolve this matter and any information obtained will be used for that purpose.

I expect a response within 30 days of your receipt of this letter.

Let me be abundantly clear : Credit card statements do not constitute valid proof of debt ownership, nor do they meet the standard of verification under the Fair Debt Collection Practices Act ( FDCPA ). My original request explicitly required the following : 1. A copy of the original contract or agreement bearing my signature, demonstrating my obligation to the alleged debt. 
2. A full accounting of the debt, including an itemized breakdown of all amounts claimed.

3. The name and contact information of the original creditor, along with proof of your agencys legal authority to collect this debt.

Your failure to provide these required documents constitutes a violation of my rights under the FDCPA. Until proper validation is provided, you have no legal basis to continue collection efforts, report negative information to credit bureaus, or pursue any further action regarding this matter.

Consider this letter formal notice that any continued attempts to collect this unverified debt, including further communication without proper validation, will result in immediate legal action. This includes but is not limited to : - Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
- Pursuing legal remedies against your agency for FDCPA violations, including potential damages for harassment and noncompliance. 

You are hereby instructed to cease all collection efforts until you provide the legally required documentation. Failure to comply will result in further action against your agency. 

This letter serves as formal notice under my rights granted by the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation