Debt collection -- Attempts to collect debt not owed -- Complaint #12889201
Complaint Overview
Complaint ID: 12889201
Company: Advanced Collection Bureau, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 32935
Date Received: 2025-04-08T12:00:00-05:00
Date Sent to Company: 2025-04-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently reviewed my credit reports and was shocked to find a collection account from Advanced Collection for what is purported to be a Medical 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. This includes the Dunning letter that is required to notify a consumer of a collection. 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 Debt Collection Practices Act ( FDCPA ), 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 #12889201 about?
Complaint #12889201 was filed against Advanced Collection Bureau, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-08T12:00:00-05:00.
How did Advanced Collection Bureau, 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 Advanced Collection Bureau, INC.?
Yes, visit the Advanced Collection Bureau, INC. company profile at readthecomplaint.com/company/advanced-collection-bureau-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.