Bull City Financial Solutions, Inc.

Creditor / Entity Account # ( Partial ) Reason / Basis for Dispute RequestedAction BULLCITYFINANCIALSOL ( XXXX ) XXXX UnlawfulcommunicationunderFDCPA1692c Deletefromreport XXXX ( XXXX ) XXXX Unauthorizedcontact/inaccuratebalance Removeentirely XXXX ( OriginXXXX ) XXXX Unverifiedcollection/unauthorizedcommunication Delete XXXX XXXXXXXX ( OriginXXXX ) XXXX Illegallycontactedconsumerunder1692c Delete XXXX ( XXXX ) XXXX FDCPAviolation/inaccuratereport Delete XXXX ( XXXX ) XXXX Inaccuratereporting/communicationviolation Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverifiedcollection/unauthorizedcommunication Delete XXXX XXXX Improperrepossessionstatus Verifyorremove XXXX XXXX Unverifiedchargeoff Remove XXXX XXXX Notmine/inaccuratereport Delete XXXX XXXX XXXX XXXX Rentalclaimnotmine ; noleaseagreement Remove XXXX XXXX XXXX XXXX Rentalclaimnotmine ; noleaseagreement Remove Clarification from XXXX Statement XXXX XXXX report contains the statement :…

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I am writing in response to your communication regarding an alleged debt. I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any interest, fees, or charges 2. The name and address of the original creditor 3. Copies of any documents bearing my signature that show I agreed to this debt 4. A complete payment history, including how the amount you claim is calculated 5. Proof that your agency is licensed to collect debts in my state ( if required ) Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to provide the requested documentation, please confirm in writing that this account has been closed and that no further collection efforts will be made.…

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Validation of Debt Request - BULL CITY - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

I am filing a complaint regarding an inaccurate medical collection reported by Bull City Financial Solutions. I disputed this account with XXXX XXXX XXXX and it was marked as verified as accurate. However, this account is still inaccurate and incomplete. This is a medical debt, and my insurance was never billed prior to the account being sent to collections. Reporting a medical debt without first submitting it to insurance is improper and does not reflect a valid balance owed. Despite this, the account was verified without providing any documentation or proof that insurance billing was attempted or completed.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am submitting this follow-up regarding my dispute with Bull City Financial Solutions , Inc. concerning the alleged XXXX XXXX account they claim is associated with me. This is now the third time I have formally requested proper validation of this alleged debt. Instead of providing the documentation requested, the company continues to send automated responses and generic statements claiming validation was mailed without addressing any of the specific verification requests. Bull City Financial Solutions has still not provided any documentation connecting me to this alleged account, including : Identification used to establish the account Documentation showing my Social Security number was used with my authorization Any signed authorization or agreement for XXXX services Any records showing how my personal information was obtained or verified Any documentation proving I received or authorized services on XX/XX/year> Additionally, the address XXXX Singing Woods has been referenced in…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Bull City Financial Solutions is reporting a {$150.00} collection account to all three credit bureaus for a XXXX XXXX utility bill. This debt was paid in full. I have an official Payment History Letter from XXXX XXXX dated XX/XX/year> confirming XXXX late notices, XXXX disconnections for nonpayment, and Final Bill Paid : Yes. I called Bull City Financial multiple times they refused to acknowledge my payment. I submitted a written dispute letter with proof of payment enclosed the letter was returned to sender unopened. I have disputed this account with the credit bureaus multiple times with proof and the account has not been removed. This inaccurate collection is severely damaging my credit score and must be removed immediately

I disputed several collection accounts reported by Bull City Financial Solutions and requested proper debt validation. In response, the company only provided billing statements from XXXX XXXX XXXX and instructed me to submit an identity theft packet. Billing statements alone do not constitute proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Bull City Financial Solutions failed to provide documentation proving legal ownership of the debt, proof of assignment from the original creditor, or a signed agreement for the alleged services. Additionally, the accounts appear to represent multiple collection tradelines originating from the same XXXX XXXX XXXX provider, which may constitute misleading or inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).…

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I am submitting this complaint regarding Bull City Financial Solutions , Inc. and their attempt to collect an alleged debt they claim originated from XXXX XXXX. I formally requested validation of this alleged debt and specifically asked Bull City Financial Solutions to provide documentation verifying that this account belongs to me. My request included the identification used to create the account, documentation showing my Social Security number was used with my authorization, the original signed agreement or authorization for services, and records explaining how my personal information was obtained and linked to this account. Bull City Financial Solutions did not provide any of the documentation I requested. Instead, they sent documents referencing XXXX XXXX that do not verify that this account belongs to me. The documents contain no signed agreement, no identification records, no authorization, and no proof that my Social Security number was used with my consent.…

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I have called a debet collactor company to solve a correct bill existed in my credit report. I have found the name of that company on XXXX but looks like they are scam. I gave him my Social Security Number and didn't realize utill je asked me about my Debit card info. I will attached the company name and the phone number I have called.

I am submitting this complaint regarding a collection account reported by Bull City Financial Solutions on my credit report. The account appears on my credit report in the amount of approximately {$550.00}. I do not recognize this account and have requested verification of the original creditor, the balance calculation, and documentation showing I am legally responsible for this debt. Despite disputing the account, the collection agency has continued reporting the account without providing sufficient verification of the debt. Under the Fair Credit Reporting Act, information reported to credit bureaus must be accurate and verifiable. I am requesting that Bull City Financial Solutions provide proper documentation validating the debt or remove the account from my credit report with Experian, Equifax, and TransUnion. I am requesting a formal investigation and resolution of this matter.

BULLCITY FINANCIAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research BULLCITY FINANCIAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I filed a CFPB complaint against Bull City Financial Solutions on XX/XX/year>. On XX/XX/year>, Bull City responded that they instructed all 3 credit bureaus to remove the account from the consumers credit file and that all collection activity would cease. Despite this, TransUnion is still reporting the Bull CityXXXX XXXX account ( Acct # XXXX ) on my credit file dated XX/XX/year>. XXXX is reporting information that the furnisher has already declared inaccurate and ordered deleted, violating 15 U.S.C. 1681e ( b ) and 1681i. I am requesting immediate deletion and confirmation.

Validation of Debt Request - BULL CITY XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

The original date of dispute is XX/XX/year> This alleged debt originates from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). Bull City Financial Solutions has failed to provide any documentation from the original creditor, including an itemized bill, proof that insurance was properly billed, or an Explanation of Benefits ( EOB ) establishing patient responsibility. Without documentation showing that insurance was processed and that a valid balance remains due, the amount being reported is unverifiable and potentially inaccurate. I specifically requested this information, and it has not been provided. Additionally, no documentation has been provided showing how the current balance was calculated from the original charge, including any adjustments, payments, or insurance determinations. Because the original debt and amount have not been substantiated, this account can not be considered accurate under the Fair Credit Reporting Act and must be deleted

BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am filing this complaint regarding Bull City Financials continued reporting of inaccurate and unverified information on my consumer credit reports. The account is reported as follows : Account Number : XXXX Original Creditor : XXXX XXXX Florida Balance : {$660.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Credit Report This account is being reported with inconsistent and conflicting information across consumer reporting agencies, including differing status designations ( open versus closed ) and inconsistent adverse rating data. These discrepancies raise concerns under 15 U.S.C. 1681e ( b ), which requires furnishers to report information with maximum possible accuracy. I have formally disputed this account with the credit reporting agencies on two separate occasions. Both disputes were returned as verified. Despite verification, Bull City Financial has not provided competent documentary evidence substantiating the validity of the debt.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute and Cease and Desist Notice Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account, number XXXX, which appears on my credit report and/or which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting full validation of this alleged debt. Please provide competent evidence that I have a legal obligation to pay this debt, including but not limited to : 1. The original signed agreement or contract bearing my signature. 2. The name and address of the original creditor. 3. A complete payment history and itemized accounting of the amount claimed. 4. Documentation showing your legal authority to collect this debt.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

BULLCITY FINANCIAL SO is falsely reporting on my credit. I have never had any accounts with them. Per my research BULLCITY FINANCIAL SO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.