Debt collection -- Attempts to collect debt not owed -- Complaint #13828557
Debt Collector Pursues Allegedly Incorrect Debt
Complaint Overview
Complaint ID: 13828557
Company: The Bureaus, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30043
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the debt collector may have made an error in identifying the debtor or the debt, potentially leading to harassment and financial distress for the consumer.
Consumer Sentiment: negative
Topics: Debt collection, Incorrect debt, Dispute
AI Analysis
CFPB complaint 13828557 was filed against The Bureaus, Inc. regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer reported that The Bureaus, Inc. attempted to collect a debt that the consumer claims is not theirs. The complaint was received on May 31, 2025 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any debt they do not owe in writing and request validation from the debt collector.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot mislead consumers or collect debts that are not owed.
Regulatory Insight
This case highlights the importance of accurate record-keeping and verification processes by debt collection agencies to avoid pursuing invalid debts.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The debt collection activity occurred in Georgia, and state laws may also provide protections for consumers against unfair debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where errors in data transfer or identification can lead to disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828557 about?
CFPB complaint 13828557 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against The Bureaus, Inc. on May 31, 2025.
Which company is complaint 13828557 filed against?
Complaint 13828557 was filed against The Bureaus, Inc.. You can view all complaints against this company on their profile page at /company/the-bureaus-inc.
What was the company's response to complaint 13828557?
The Bureaus, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828557 filed?
Complaint 13828557 was received by the CFPB on May 31, 2025. It was sent to The Bureaus, Inc. on May 31, 2025.
What state was complaint 13828557 filed from?
Complaint 13828557 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 13828557?
Dispute information is not available for complaint 13828557.
What product category is complaint 13828557 about?
Complaint 13828557 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13828557 submitted?
Complaint 13828557 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13828557?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot mislead consumers or collect debts that are not owed. This relates to a Debt collection complaint against The Bureaus, Inc. involving "Attempts to collect debt not owed".
How likely is complaint 13828557 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13828557?
This complaint is rated as medium risk. The risk is medium because the debt collector may have made an error in identifying the debtor or the debt, potentially leading to harassment and financial distress for the consumer.
What regulatory actions apply to complaint 13828557?
This case highlights the importance of accurate record-keeping and verification processes by debt collection agencies to avoid pursuing invalid debts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828557?
Consumers should immediately dispute any debt they do not owe in writing and request validation from the debt collector.
Are there state-specific protections for complaint 13828557?
The debt collection activity occurred in Georgia, and state laws may also provide protections for consumers against unfair debt collection practices. This complaint was filed from Georgia.
How does complaint 13828557 compare to industry norms?
This is a common issue in the debt collection industry, where errors in data transfer or identification can lead to disputes.
What steps should a consumer take if they receive a debt collection notice for a debt they do not owe?
The consumer should immediately send a written dispute letter to the debt collector within 30 days of the initial notice, requesting debt validation. They should also keep copies of all correspondence.
What are the potential consequences for a debt collector who attempts to collect a debt that is not owed?
Debt collectors who attempt to collect debts not owed may face legal action under the FDCPA, including statutory damages, actual damages, and attorney's fees for the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.