Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17919178
Complaint Overview
Complaint ID: 17919178
Company: United Collection Bureau, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 11357
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received two different debt collection notices attempting to collect the same alleged XXXX XXXX XXXX debt. The first letter was from United Collection Bureau , Inc. dated XX/XX/year>, with a balance of {$5700.00} and reference number XXXX. The second letter came from XXXX XXXX XXXX XXXX dated XX/XX/year>, showing the same alleged balance but with different account details and a different reference number. These two collectors are reporting inconsistent, duplicate, and unverified information. I disputed the debt and requested validation, but neither collector has provided any legally required documentation such as a signed agreement, itemized statements, proof of ownership, or a full accounting. Reporting or attempting to collect an unverified debt violates FDCPA 15 U.S.C. 1692g ( b ), and furnishing inaccurate or inconsistent data violates FCRA 609, 611, and 623 ( a ). Because the debt has not been validated and the information provided is inconsistent and potentially inaccurate, I am requesting CFPB assistance in addressing this issue and stopping any further reporting or collection activity until proper validation is provided.
Frequently Asked Questions
What is Complaint #17919178 about?
Complaint #17919178 was filed against United Collection Bureau, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
How did United 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against United Collection Bureau, INC.?
Yes, visit the United Collection Bureau, INC. company profile at readthecomplaint.com/company/united-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.