Debt collection -- Took or threatened to take negative or legal action -- Complaint #19573374
Complaint Overview
Complaint ID: 19573374
Company: Johnstown Credit Bureau, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Pennsylvania
ZIP Code: 159XX
Date Received: 2026-02-17T12:00:00-05:00
Date Sent to Company: 2026-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XX/XX/XXXX, I received a collection letter from a debt collection agency seeking {$90.00} for an alleged municipal ticket dated XX/XX/XXXX. The letter stated that the account was reported to the credit repositories and will not be deleted. This wording is deceptive and misleading. Under federal law, debts can not be reported beyond XXXX years plus 180 days from the original delinquency. Based on the date provided, this alleged debt became obsolete for credit reporting purposes in XXXX. The letter nevertheless implied ongoing or permanent credit reporting, which could reasonably mislead consumers into believing their credit is still being harmed. I dispute owing this debt and have no recollection of the alleged ticket. I formally requested debt validation, including the original citation, proof that I am the responsible party, and documentation authorizing the collector to pursue the debt. As of filing this complaint, no validation has been provided. XXXX should not use misleading language suggesting continued credit reporting on time-barred or obsolete debts. This practice pressures consumers into paying debts they XXXX not owe out of fear of credit damage. I am submitting this complaint so the CFPB can review the collectors representations and help prevent similar conduct toward other consumers.
Frequently Asked Questions
What is Complaint #19573374 about?
Complaint #19573374 was filed against Johnstown Credit Bureau, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2026-02-17T12:00:00-05:00.
How did Johnstown Credit 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 Johnstown Credit Bureau, INC.?
Yes, visit the Johnstown Credit Bureau, INC. company profile at readthecomplaint.com/company/johnstown-credit-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.