Debt collection -- Written notification about debt -- Complaint #11781384
Complaint Overview
Complaint ID: 11781384
Company: Creditors Bureau Associates
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Georgia
ZIP Code: 30088
Date Received: 2025-01-26T12:00:00-05:00
Date Sent to Company: 2025-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Consumer Dispute Regarding CREDITORS BUREAU ASSOCIATES. To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan account by CREDITORS BUREAU ASSOCIATES. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law. 2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported. 3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ). 4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations. Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of this debt collection : Remove this account from my credit report as it was reported unlawfully. 2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law. 3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled. Timeline and Legal Remedy Please resolve this dispute within 14-21 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11781384 about?
Complaint #11781384 was filed against Creditors Bureau Associates regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-01-26T12:00:00-05:00.
How did Creditors Bureau Associates 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 Creditors Bureau Associates?
Yes, visit the Creditors Bureau Associates company profile at readthecomplaint.com/company/creditors-bureau-associates 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.