The Bureaus, Inc.

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.

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

I started getting emails and telephone calls from this company called the bureaus telling me I owe over {$8000.00} for a past automobile that was repossessed. The lender at the time told me I did not owe anything and they would just report the underwater amount to the credit bureaus. They told me they would not send to collections.

On XX/XX/year>, I received a text message from The Bureaus Inc. regarding an alleged debt originally owed to XXXX XXXX XXXX, reference number XXXX. The text message contained only a payment link and no proper validation disclosures. I never received a written validation notice by mail containing the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days as required under 15 U.S.C. 1692g ( a ). Under federal law a debt collector must send a written validation notice within 5 days of initial contact. A text message with a payment link does not satisfy this requirement. On XX/XX/year> I sent a formal written validation demand via USPS Certified Mail to The Bureaus Inc. at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL XXXX. The Bureaus Inc. received and signed for my letter on XX/XX/year> as confirmed by the signed return receipt card. As of today they have not provided any validation of the alleged debt.…

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Validation of Debt Request- THE BUREAUS - 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

AFFIDAVIT OF TRUTH Regarding Inaccurate, Unverified, and Unauthorized Collection Account State of South Carolina The XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Wood XXXX, IL XXXX I XXXX XXXX following statements are true and correct to the best of my personal knowledge : reside at XXXX Little XXXX XXXX, XXXX, South Carolina XXXX 1. I am the consumer identified on the credit reports issued in my name and the XXXX in this matter. 2. This Affidavit is made based upon my personal knowledge and my review of my consumer credit reports. 3. A collection account is being reported on my consumer credit file by The Bureaus under account number XXXX 4. I affirm that I did not authorize, consent to, or knowingly enter into any contractual agreement with the above-named entity that would permit the reporting, furnishing, or dissemination of my personal consumer information. 5.…

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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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am writing to formally dispute the following information appearing on my credit report. This account is obsolete and should have been removed according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXXXXXX ( File # XXXX ) Date Opened : XX/XX/year> ( XXXX years XXXX months ) Reason for Dispute : This account is over 7 years past the Date of First Delinquency ( DOFD ). Under the FCRA, negative information must be removed from a consumer 's credit report 7 years after the original delinquency date. While I am currently managing this debt through a payment plan with XXXX XXXX XXXX XXXX., my ongoing payments do not restart the 7-year credit reporting clock.

Debt collector failed to validate debt under FDCPA I am filing this complaint regarding a debt collection company that contacted me about an alleged debt. I timely requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, the company has failed to provide adequate verification of the debt. Instead of properly validating the debt, they have continued collection efforts. This appears to be a violation of 15 U.S.C. 1692g I am requesting that the company : 1. Provide proper written validation of the alleged debt ; or 2. Cease all collection efforts and remove any negative credit reporting related to this account.

I am filing this complaint regarding an account being reported by The Bureaus on my XXXX credit report. I dispute the accuracy and validity of this alleged debt. This account does not appear consistently across all credit reporting agencies, which raises concerns regarding the reliability and verification of the information being furnished. I previously disputed this account, yet it continues to be reported without proper validation or supporting documentation demonstrating that I have a legal obligation for this debt. Under the Fair Credit Reporting Act ( FCRA 1681 ), furnishers are required to report only accurate and verifiable information. I am requesting that The Bureaus provide competent evidence of the debt, including the original signed agreement, complete account history, chain of assignment, and proof of their legal authority to collect. If they can not provide this documentation, the account must be permanently deleted from my credit report.…

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XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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.

Beginning in XXXX, I disputed an alleged XXXX XXXX credit card debt with The Bureaus, Inc. in writing and requested lawful validation. I specifically requested proof of ownership or assignment of the account and account-level documentation showing the account is attributable to me. The company responded multiple times with letters providing only summary data fields ( such as dates and balances ) derived from its clients records, but did not provide ownership documentation, account-level records, or evidence establishing that the account belongs to me. Despite this, in a letter dated XX/XX/XXXX, The Bureaus stated that it had conducted an investigation, that the disputed information was accurate, and that its response met federal validation standards, citing multiple federal circuit courts without identifying any cases or explaining their relevance. The letter did not identify what documents were reviewed, who conducted the investigation, or how accuracy was determined.…

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I am filing this complaint regarding Bureaus, XXXX furnishing inaccurate, misleading, and incomplete information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). Based on my credit report XXXX XXXX XXXX XXXX is reporting a collection account with ongoing monthly delinquency indicators extending well beyond XXXX XXXX at which the account should have reached a static status. The payment history reflects continuous delinquency rather than a fixed collection or charged-off status, which materially misrepresents the nature of the account and constitutes improper re-aging. Additionally, the account does not clearly or accurately report a verifiable Date of First Delinquency ( DOFD ). The credit report shows delinquency markers without identifying the initial delinquency date that led to collection placement, which is required for accurate and complete reporting under the FCRA.…

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This complaint is also my official request for debt validation to THE BUREAUS INC. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect THE BUREAUS INC to provide complete validation. To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to THE BUREAUS INC.

I am disputing the accuracy and validity of a collection account being reported by THE BUREAUS. The account was opened on or around XX/XX/year> and is reported with an open balance of approximately {$470.00}. I dispute this debt because THE BUREAUS has failed to provide proper validation proving that I owe the alleged amount and that they have the legal authority to collect and report this debt. Despite the account being marked as disputed by consumer, the company continues to report the account without providing verification of the original obligation, a complete payment history, or documentation showing how the balance was calculated. Additionally, the reporting appears inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ), as the account lists THE BUREAUS as both the original creditor and the collection agency, which is misleading. I have not been provided with evidence of an original contract, billing statements, or assignment of debt.…

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A collection account from The Bureaus , Inc. in the amount of {$310.00} was previously disputed and deleted from the consumers credit file after investigation. On or about XX/XX/year>, the credit bureaus reinserted this previously deleted collection account onto the consumers credit report. The reinsertion occurred without any written notice to the consumer within five business days and without providing proof of certification from the furnisher verifying the accuracy of the information prior to reinsertion. This action violates FCRA 611 ( a ) ( 5 ) ( B ) and Regulation V ( 12 C.F.R. 1022.43 ), which require certification by the furnisher and written notice to the consumer when previously deleted information is reinserted. The consumer was not notified by mail, email, or electronic alert and only became aware of the reinsertion by independently reviewing the credit report.…

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I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : The Bureaus Account Number : XXXX Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be validated within 30 days. Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA.…

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Subject : URGENT : Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against The Bureaus, Inc. for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Violation 1 : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. 1681s-2 ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor '' on my credit file ( see attached evidence ). This is a factually false statement. The Bureaus , Inc. is a third-party debt buyer. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus.…

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THE BUREAUS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research THE BUREAUS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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.

This letter serves as formal notice that I am demanding you cease and desist all communication with me immediately regarding any alleged debt or account you claim to be associated with my name. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). Effective immediately, you are not authorized to contact me by phone, mail, email, text message, or through any third party. This includes attempts to collect, discuss, or otherwise communicate about any alleged balance.

I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX Date : XX/XX/year> The Bureaus XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Re : Formal Notice of Dispute, Demand for Validation, and Request for Removal To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt you are reporting or attempting to collect. This correspondence is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and applicable Pennsylvania consumer protection laws. This letter does not constitute an acknowledgment of, or admission to, any debt, nor does it waive any rights or defenses available to me under state or federal law. FDCPA 15 U.S.C. 1692 Under the FDCPA, you are required to provide competent evidence that you have the legal right to collect this alleged debt.…

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I am disputing this account because I NEVER received the merchandise associated with this charge. This was a XXXX XXXX transaction from XX/XX/XXXX that I immediately disputed with XXXX XXXX. XXXX XXXX issued a temporary credit but later reversed it claiming the merchant provided delivery confirmation. However : There is NO signature proof No confirmation the package was delivered to my address No proof I personally received anything I never authorized anyone to accept this package I never received the merchandise I attempted to resolve this but was ignored XXXX XXXX later sold this debt to Bureaus Investment Group in XX/XX/XXXX. XXXX XXXX even confirmed they are no longer reporting this account, yet the collection agency continues to report it on all credit bureaus.…

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XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Hello, I am a victim of Identity theft and this company is attempting to collect a debt that is a result of that identity theft. I have no knowledge on this account including the opening of this account. Please, tell them to stop reporting this collection account to my credit report and conduct a thorough investigation as to the nature of this account. Thank you.

I am formally disputing the accuracy, ownership, and legal compliance of multiple collection and charge-off accounts currently being reported on my credit report. These accounts are the direct result of compromised personal information and identity theft. In XXXX, I filed a police report documenting that my mobile phone was stolen, along with access to my personal identifying information. As a result of this theft, my personal and financial information was compromised without my knowledge or authorization. Any accounts opened, charged off, or sent to collections during or after this period are unauthorized and fraudulent. Despite this, the furnishers and consumer reporting agencies continue to report information that is incomplete, inaccurate, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ).…

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This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am XXXX out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

XXXXXXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research THE BUREAUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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.

On or about XX/XX/XXXX, I reviewed my credit report and identified a collection account reported by The Bureaus Inc., with XXXX XXXX listed as the original creditor, showing a balance of approximately {$940.00}. After identifying this account, I requested validation of the alleged debt, including proof of ownership, the original contract, and itemized billing. Despite this request, no validation or supporting documentation has been provided. As of XX/XX/XXXX, the collection account continues to be reported to consumer reporting agencies and collection activity has continued without verification of the debts accuracy or ownership. Continuing to report and attempt to collect an unvalidated debt is inaccurate and misleading. I am disputing that this debt is owed and am requesting appropriate corrective action.