Debt collection -- Attempts to collect debt not owed -- Complaint #18638738
Complaint Overview
Complaint ID: 18638738
Company: Bull City Financial Solutions, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: North Carolina
ZIP Code: 271XX
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a dispute regarding a collection account being reported by Bull City Financial Solutions with an alleged balance of {$1700.00}. The original creditor is listed as XXXX XXXX. I dispute this debt in its entirety and am requesting full validation. Under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the debt collector must cease collection activity until proper validation is provided. I am requesting documentation showing that I am legally responsible for this debt, including a copy of the original agreement with the original creditor, XXXX XXXX, a complete itemized breakdown of the {$1700.00} being claimed, and proof that Bull City Financial Solutions has the legal authority and assignment to collect this debt. Additionally, reporting a collection account without proper validation may violate 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations, and 15 U.S.C. 1692f, which prohibits unfair or unconscionable collection practices. Reporting inaccurate or unverifiable information to consumer reporting agencies also violates the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, which requires furnishers to report information that is accurate and to conduct a reasonable investigation once a dispute is filed. If Bull City Financial Solutions can not provide proper validation and documentation supporting the accuracy of this account, I am requesting that this collection account be removed from all consumer credit reports. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #18638738 about?
Complaint #18638738 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 2026-01-11T12:00:00-05:00.
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.