Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> United Collection Bureau, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Re : Insufficient Verification of Debt Reporting on Credit Report ( Account # XXXX ) To Whom It May Concern, I am writing in response to your recent communication verifying the debt associated with the above-referenced account number. Upon review, I find that the information you provided does not meet the necessary legal standards for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and Regulation F ( 12 CFR Part 1006 ).

As stated in my previous request, proper validation requires more than a generic response or a simple acknowledgment of the debt.

Your response failed to provide the necessary documentation proving your legal authority to collect this debt or report it to credit bureaus. Therefore, I request the following information to establish the legitimacy of this debt claim : Required Documentation for Proper Validation : 1. Original Creditor Information : The full name, address, and contact details of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 2 ) and Regulation F ( 12 CFR 1006.34 ( a ) ( 1 ) ).

2. Itemized Account Statement : A complete breakdown of the alleged debt, including the original principal amount, interest, fees, and any additional charges as required under Regulation F ( 12 CFR 1006.34 ( c ) ).

3. Signed Agreement or Contract : A copy of the original contract or agreement with my signature proving my obligation to pay this alleged debt.

4. Proof of Ownership and Chain of Assignment : Documentation showing the full chain of custody of the debt, from the original creditor to your agency, including all sales or transfer agreements in accordance with Regulation F ( 12 CFR 1006.30 ( b ) ).

5. Affidavit of Debt Accuracy : A sworn statement from an authorized representative of the original creditor confirming the validity and accuracy of the alleged debt.

6. Permissible Purpose for Credit Reporting : Documentation proving your legal authority to report this debt to credit bureaus under 15 U.S.C. 1681b and Regulation F ( 12 CFR 1006.30 ( a ) ).

7. Details of Debt Collector : The full name and mailing address of your agency, as well as the identity of the current creditor to whom the debt is allegedly owed.

8. Account Activity : A record of all payments, credits, and charges applied to this debt since the alleged delinquency, in compliance with Regulation F ( 12 CFR 1006.34 ( c ) ( 2 ) ).

Next Steps and Legal Obligations : Under 15 U.S.C. 1692g ( b ), you are required to cease all collection efforts until you provide the requested documentation. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 3 ), you must update the credit bureaus to reflect this debt as " disputed by consumer. '' Per Regulation F ( 12 CFR 1006.30 ( d ) ), if you transfer or sell this debt, you are required to communicate the dispute status to the new entity. 

If you fail to provide proper validation within 30 days, I will be left with no choice but to escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Furthermore, should you transfer or sell this account, you are legally obligated under 15 U.S.C. 1692e ( 8 ) to disclose that this debt remains disputed. Failure to do so may result in legal consequences for misrepresentation and credit reporting violations. 

This letter serves as my final request for proper validation. If you are unable to substantiate your claim with the required documentation, I demand that you immediately delete this account from my credit report and cease all collection activities. 

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

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation