Debt collection -- Attempts to collect debt not owed -- Complaint #12500316
Complaint Overview
Complaint ID: 12500316
Company: Bull City Financial Solutions, INC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Virginia
ZIP Code: 23321
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It XXXX Concern, I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX, for what is purported to be a utilities debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.
Frequently Asked Questions
What is Complaint #12500316 about?
Complaint #12500316 was filed against Bull City Financial Solutions, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-03-15T12:00:00-05:00.
How did Bull City Financial Solutions, 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 Bull City Financial Solutions, INC?
Yes, visit the Bull City Financial Solutions, INC company profile at readthecomplaint.com/company/bull-city-financial-solutions-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.