Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX  ( XXXX ) regarding their unlawful and harmful reporting of an alleged debt on my consumer credit file. The company has placed a derogatory account in the amount of {$8800.00} on my credit profile without ever providing me with the legally required notice of debt or validation documentation. 

1. No Debt Validation or Written Notice Provided Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide a consumer with a written notice containing the amount of the debt, the name of the creditor, and a statement of the consumers rights to dispute the debt within five days of the initial communication. 

To date, I have never received any letter, statement, or notice from XXXX XXXX XXXX regarding this alleged account. 

I do not know who the original creditor is, the nature of the alleged obligation, or how they calculated the balance of {$8800.00}. 

This failure prevents me from exercising my right to dispute and request verification of the debt.

2. Improper and Potentially Inaccurate Credit Reporting Despite failing to provide validation, XXXX XXXX XXXX has furnished negative information to the consumer reporting agencies. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to ensure the accuracy and completeness of the information they report. 

By reporting an account without giving me the opportunity to verify or dispute it, XXXX is furnishing information that is unverified, potentially inaccurate, and misleading. 

This action has already caused measurable harm by lowering my credit score and damaging my creditworthiness. 

3. Lack of Transparency and Consumer Harm The absence of any communication from XXXX XXXX XXXX is a significant red flag. Their conduct raises concerns about whether they even have the legal right to collect on this account, or if this is an instance of misreporting or mistaken identity. Without documentation, there is no way for me to confirm that I owe this debt at all. 

This has caused me undue stress, confusion, and financial injury. 

I am unable to pursue major financial goals, such as applying for housing or credit, due to this derogatory entry. 

4. Requested Resolution I am requesting that the CFPB take immediate action to : Investigate XXXX XXXX XXXX  practices of reporting unvalidated debts. 

Require XXXX XXXX XXXX to cease all collection activity and delete this account from my credit reports until they provide full validation of the alleged debt in compliance with federal law. 

Ensure XXXX demonstrates proof of their authority to collect this debt, including : The name and contact information of the original creditor. 

A detailed breakdown of the alleged balance of {$8800.00}. 

Copies of any agreements or contracts bearing my signature that substantiate this claim.

5. Summary XXXX XXXX XXXX has failed to uphold their obligations under the FDCPA and FCRA. By reporting an alleged debt without first providing written notice and validation, they have engaged in unfair, deceptive, and harmful practices. I request that this matter be thoroughly reviewed, corrective action taken, and this derogatory entry removed unless and until proper validation is provided. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/year>

Company response to consumer: Closed with explanation