Debt collection -- Written notification about debt -- Complaint #5826920
Complaint Overview
Complaint ID: 5826920
Company: Credit Bureau Systems, INC., Paducah, Ky Branch
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Missouri
ZIP Code: 65721
Date Received: 2022-07-30T12:00:00-05:00
Date Sent to Company: 2022-07-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$99.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. These accounts are also in violation of the precedent set by XXXX XXXX XXXXXXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. And that is on top of all of the reporting violations and inaccuracies that I have found. I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.
Frequently Asked Questions
What is Complaint #5826920 about?
Complaint #5826920 was filed against Credit Bureau Systems, INC., Paducah, Ky Branch regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-07-30T12:00:00-05:00.
How did Credit Bureau Systems, INC., Paducah, Ky Branch 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 Credit Bureau Systems, INC., Paducah, Ky Branch?
Yes, visit the Credit Bureau Systems, INC., Paducah, Ky Branch company profile at readthecomplaint.com/company/credit-bureau-systems-inc-paducah-ky-branch 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.