Debt collection -- Attempts to collect debt not owed -- Complaint #10750199
Complaint Overview
Complaint ID: 10750199
Company: Collection Bureau Of The Hudson Valley, INC.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Hampshire
ZIP Code: 032XX
Date Received: 2024-11-10T12:00:00-05:00
Date Sent to Company: 2024-11-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Re : Formal Complaint Regarding Inaccurate Credit Reporting and Violation of Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this formal complaint regarding the inaccurate and fraudulent collection entry on my credit report. I have identified an account that I do not owe and have no knowledge of, listed by Collection Bureau of Hudson VA on behalf of XXXX, which is clearly the result of identity theft. Despite my efforts to resolve this issue, the company has failed to conduct a proper investigation in compliance with the Fair Credit Reporting Act ( FCRA ), resulting in this erroneous entry continuing to negatively affect my credit report. What Happened : Account Information : Creditor : XXXX ( via Collection Bureau of Hudson VA ) Reported Date : XX/XX/XXXX Balance : {$790.00} Account Status : Reported as a collection item on my credit report. Timeline of Events : XX/XX/XXXX : The collection account was first reported on my credit report by Collection Bureau of Hudson VA, which I did not recognize, nor was I aware of any debt owed to XXXX. XX/XX/XXXX : I filed a police report with my local law enforcement, indicating that I was a victim of identity theft. This report was made available to all involved parties. XX/XX/XXXX : I submitted a dispute with the credit bureaus, indicating that this account was fraudulent and was the result of identity theft. XX/XX/XXXX : I reached out directly to XXXX and Collection Bureau of Hudson VA to dispute the account and provided them with a copy of the police report and other supporting documentation, including a report from XXXX that confirmed I was a victim of identity theft. XX/XX/XXXX - Present : Despite my repeated attempts to resolve this matter through dispute channels, XXXX has failed to properly investigate the claim, nor has Collection Bureau of Hudson VA taken steps to remove the account from my credit report. Their refusal to investigate and remove the erroneous account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that companies must conduct a reasonable investigation when a consumer disputes the accuracy of information. Actions Taken by Me : I have filed a police report and IdentityTheft.org report as evidence of my identity theft. I have disputed this fraudulent account with the credit bureaus ( XXXX, XXXX, and XXXX ) and provided supporting documentation. I have contacted XXXX and Collection Bureau of Hudson VA multiple times, but they have not investigated the dispute in a timely or appropriate manner, nor have they removed the account. Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate or fraudulent information removed from my credit report. According to 15 U.S.C. 1681i, if a consumer disputes an item on their credit report, the creditor or reporting agency is required to conduct a reasonable investigation and correct any inaccuracies. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the obligation of a credit reporting agency to thoroughly investigate disputes and remove any inaccurate information, especially when it pertains to identity theft. The FCRA also provides remedies under 15 U.S.C. 1681e ( b ), which requires that information reported on a credit report must be accurate and complete. Given that XXXX and Collection Bureau of Hudson VA have failed to meet these obligations, the continued reporting of this debt is in violation of my rights. Outcome I Am Seeking : The immediate removal of the fraudulent collection entry from my credit report
Frequently Asked Questions
What is Complaint #10750199 about?
Complaint #10750199 was filed against Collection Bureau Of The Hudson Valley, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-11-10T12:00:00-05:00.
How did Collection Bureau Of The Hudson Valley, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Collection Bureau Of The Hudson Valley, INC.?
Yes, visit the Collection Bureau Of The Hudson Valley, INC. company profile at readthecomplaint.com/company/collection-bureau-of-the-hudson-valley-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.