Debt collection -- Attempts to collect debt not owed -- Complaint #6067090
Complaint Overview
Complaint ID: 6067090
Company: Creditors Bureau Associates
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 310XX
Date Received: 2022-10-09T12:00:00-05:00
Date Sent to Company: 2022-10-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This medical debt was accrued as a minor. A minor can not legally enter a contractual obligation in the states where this debt was accrued, a parent or legal guardian must sign the service and payment agreement. This agency is attempting to collect a debt NOT from the original owner of the account, but of the minor involved AFTER that minor turned XXXX. The debt was accrued in XXXX of XXXX. The minor was XXXX XXXX XXXX. The collection agency opened a collection account against the ( former ) minor in XXXX of XXXX, when the ( former ) minor was XXXX XXXX XXXX. This collection agency has tried to contact the ( former ) minor multiple times before they eventually blocked all phone numbers associated with the company to stop the harassment. The alleged owner of the account never received any written information before OR after the harassing phone calls about the debt, ownership details, amount details, or that the collection was reported to the three major credit bureaus. The alleged owner had to discover this account on their credit report after being denied a line of credit from a lender. The alleged owner did not have any knowledge before the phone calls that this debt had not been paid or turned over to collections ; there has been no written correspondence to the alleged owner ; and the alleged owner does not believe they are obligated to pay the debt since it was accrued when they were under the age of majority within the state the debt was accrued.
Frequently Asked Questions
What is Complaint #6067090 about?
Complaint #6067090 was filed against Creditors Bureau Associates regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-10-09T12:00:00-05:00.
How did Creditors Bureau Associates 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 Creditors Bureau Associates?
Yes, visit the Creditors Bureau Associates company profile at readthecomplaint.com/company/creditors-bureau-associates 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.