Debt collection -- Took or threatened to take negative or legal action -- Complaint #19911703

Complaint Overview

Complaint ID: 19911703

Company: Creditors Bureau Associates

Product: Debt collection

Sub-Product: I do not know

Issue: Took or threatened to take negative or legal action

Sub-Issue: Threatened or suggested your credit would be damaged

State: Alabama

ZIP Code: 354XX

Date Received: 2026-03-02T12:00:00-05:00

Date Sent to Company: 2026-03-02T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This is now the third time I have contacted your company regarding this alleged account. I REFUSE TO PAY THIS DEBT. Despite my prior correspondence, you have continued collection efforts without providing the documentation required under federal law. Your failure to properly validate this account before continuing to report or collect raises serious concerns under the FDCPA and FCRA. This letter constitutes a renewed and formal demand that Credit Bureau Associates immediately cease all collection activity associated with this account. Collection activity includes, but is not limited to, calls, letters, electronic communications, and reporting, verifying, or updating information with any consumer reporting agency. I am demanding complete validation of this account. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting internal account summaries, payment histories generated by your system, spreadsheets, or documents labeled as available documentation. I require authentic original records created and maintained by the original creditor. Identify the specific individual who claims to have requisite and personal knowledge of the facts regarding this alleged debt, including the genuineness and authenticity of the account and possession of OALD. That individual must be competent to establish a prima facie case pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ]. Requisite knowledge can not be based solely upon review of your internal business records. Confirm that this same individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices consistent with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of title for this alleged debt, including : The name of every prior debt owner Copies of each assignment of the alleged debt ALL previous assignments executed by prior owners In addition, provide a certified or properly authenticated copy of each bill of sale or other transfer document evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including Credit Bureau Associates . Provide a signed agreement or signed document evidencing the opening of this account. Further, provide OALD reflecting purchases, payments, or other actual use of the account by me. Provide OALD reflecting the original principal balance of the alleged debt, excluding post charge-off or post-judgment additions. If the balance currently claimed exceeds the post charge-off or post-judgment amount, provide a detailed accounting explaining how the amount was calculated and identify the contractual provision and legal authority authorizing such increases. I require a complete transactional history of the account from inception with the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address as listed in the header of this dispute. These documents must originate from the original creditor and not be reproduced solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions governing the account at the time it was opened, along with any amendments, revisions, or updated terms thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt outside the applicable statute of limitations. You are prohibited from misrepresenting the legal status of a debt pursuant to 15 U.S.C. 1692e ( 5 ). Provide your written policies and procedures governing dispute investigations, including a description of the compliance system used to maintain and implement those procedures. This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you attempt to deem this dispute frivolous or irrelevant, be advised that my full legal name, mailing address, and the account number as reported appear in the header of this request. Any such determination must be provided in writing within five days of receipt. Provide written confirmation of the present legal status of this account in your records. You are prohibited from making any false, deceptive, or misleading representation in connection with this alleged obligation pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to enforce my rights under federal consumer protection laws and pursue remedies in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations under the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may be awarded in addition to any actual damages sustained. You have 30 days to provide all requested documentation and to immediately remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in litigation being filed in a proper venue within my county. This statement is true and lawful.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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