ComplaintsforThe Bureaus, Inc.

• Initial Complaint

  08/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 4/25/24, I wrote a Pay to Delete Offer Letter to the Bureaus **** requesting to pay a portion of the old outstanding debt that I owe to *********** from a 2018 balance, in exchange to delete the derogatory information from my credit report. Since The Bureaus and other collection agencies buy debts for pennies on the dollar or an average of about 4% of the original debt, I thought that offering $226.50, which is 50% of the $453 originally owed to ***********, was fair. Especially since I never did any business with The Bureaus and they did not buy the original debt at the full value of $453.Instead of responding to my offer, they responded with a "Request for Validation" letter, which I did not ask for, and they RETALIATED by placing a dispute on my credit. As you can see, from the attached letter, I was trying to pay and was not disputing. 2018/2019 were hard years for me. I lost my job, and during my unemployment, I lost credit cards and cars. This is an almost 7 year old debt that is hurting my credit and I just want it gone.

  Customer response

  08/16/2024

  I am confused by this question/response. I'm not sure what's being asked of me.  I did not ask for the original contract because that was not the purpose of the Pay to Delete letter.  The Bureaus responded to my Pay to Delete letter with verification of the debt and original contract with Capital One.  I never disputed the debt to ************ I only wanted to resolve it.

  

  Business response

  08/16/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************.

  
  Our records indicate the letter we received on April 30, 2024 contained an offer of settlement and request for verification of debt. The letter also cited the right to dispute the debt. When an account is disputed, the federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information and to report the debt as disputed. The information we sent meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec. 809(b).

  
  Reporting the debt as disputed was not retaliation. We have reported the open collection account to the credit reporting agencies since December 2019, and are required to report disputed debts as disputed. The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, *********************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.

  
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.

  Customer response

  08/19/2024

   
  Complaint: 22149158
  
  I am rejecting this response because: The response from The Bureaus is mere hyperbole.  The letter "Did not" ask for verification of the debt. "Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt, nor is this a promise to pay and is not a payment agreement..." "If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.", is exactly what I wrote.  Nothing in that says please send verification of debt nor did I request it.  In addition to this, citing my right to dispute is very different than sending a dispute letter(which I did not send).  This is clear retaliation from a large company who can bully consumers because they can.
  
  Sincerely,
  
  ***********************

  

  Business response

  08/19/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************.
  Our records indicate the letter we received on April 30, 2024 contained an offer of settlement and request for verification of debt. A debt verification request, also known as debt dispute letter, is a way to ask a debt collector for information about a debt you may owe. When an account is disputed, the federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information and to report the debt as disputed.
  Reporting the debt as disputed was not retaliation. We have reported the open collection account to the credit reporting agencies since December 2019, and are required to report disputed debts as disputed. The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, *********************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.

  Customer response

  08/19/2024

   
  Complaint: 22149158
  
  I am rejecting this response because: I did not dispute the debt nor did I request validation.  My letter was an attempt to pay.  Instead I was met with defiance, refusal to acknowledge the attempt to pay, and retaliation. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  07/31/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Letter sent on 04/01/2024 with **** tracking number ********************** signed for on 04/08/2024 requesting verification of the account with a document bearing my signature. Nothing furnished within the 30 day time frame. Letter sent 05/07/2024 with **** tracking number ********************** received on 05/13/2024 requesting again verification of account with documentation bearing my signature. Requested item not furnished in the 30 day time frame. Letter sent 06/13/2024 **** tracking number ********************** received 06/20/2024 requesting validation again with no documents sent proving any signature of mine bearing an account with this company. They are reporting inaccurate information to the credit reporting agencies.

  Customer response

  08/01/2024

  "I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation;that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay you." They cannot produce documentation bearing my signature that I have a contractual obligation to The Bureaus Inc. 

  

  Business response

  08/01/2024

  
  Our records indicate that we sent validation information to the same address provided in the complaint each time we received a request. We have also attached a copy of each to this response.

  
  Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ********************  informing *****************************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.

  
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. Documentation bearing a signature is not required validation information. The required information was sent twice on the same day the request was received.

  
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec. 809(b). Our investigation found the information you disputed to be accurate. We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  
  

  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  
  

  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus, Inc. also expressly reserves all of its rights and defense.

   

  Thank you,  

  Customer response

  08/02/2024

   
  Complaint: 22073640
  
  I am rejecting this response because:

   

  By sending me such little information does not prove or substantiate an account that I (***************************) hold with your company (The Bureaus ***** I have never agreed to owing any such account to your firm and have tried to explain through numerous letters that the reporting is inaccurate. There is no binding contract between myself and your company that I have ever agreed too. Unless you can furnish a document in the form of a contract between myself and your company this account is not held as valid and is inaccurately being reported. I look forward your response.
  
  Sincerely,
  
  ***************************

  

  Business response

  08/02/2024

  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.

  Customer response

  08/05/2024

   
  Complaint: 22073640
  
  I am rejecting this response because:

   

  Again, you have not shown any verification or judgement showing that I owe or have ever owed The Bureaus *** a balance on any type of account. I have never held an account with this company nor do I actively have obligations to any account you are furnishing. It is for you to verify the stated account with me and you have not verified anything showing that I have or have ever signed any agreement to you. The account in its entirety is disputed and has been for some months now. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  07/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company is saying i owe them for a debt, but when i try to call them or use their website to find out more information i cant reach anyone. Also i have been contacted by a separate company that claims they also own this debt, the same debt that the Bureaus are claiming they own. I've never received a call, email or even a letter in mail from the Bureaus. Ive been wanting to pay this debt off but i need verification on who actually owns it.

  

  Business response

  07/30/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ N.A. account opened on 11/30/2015.The last purchase on the account was in the amount of $3.00 on 10/12/2017. The last payment on the account was in the amount of $112.00 on 09/14/2017 the account charged off on 04/23/2018 in the amount of $667.95.

   

  Attached to this response are the supporting documents provided to us by ************ N.A.. The documents include the card member agreement, billing statements and a letter from ************ N.A.  informing *****  *******  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC. The charge-off statement and final letter were previously sent by *********** to the address provided in the complaint.
  

   

  The account is currently placed with a collection agency by the name of First National Collection Bureau. We have informed their office of this correspondence, and requested they reach out to you. They can also be reached by calling **************.
  

   

  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  An account from ******************** *** has shown on my personal credit profile with ************ Experian and Equifax. I am unaware who this company is, I have never had dealings with this company, nor any communication from them via emails, letters, calls etc.. ************ is acting as a debt collector. I have no contract or agreement with them, nor have they verified or validated this alleged debt in which they are attempting to report. They have reported an account to my consumer credit profile prior to doing any sort of validation or verification on this debt. Per 15 USC 1692c, they are attempting to correspond with me about a debt. I have never given them authority to contact me about a debt, never contracted with this company, nor had dealings with them. This needs to be removed from my consumer credit profile.

  Customer response

  07/01/2024

  I have never had a contract with this company, I do not know who they are, they have never contact me in any form other than reporting and attepting to communicate with me through my personal credit profiles. This alleged debt has never been validated. 

  

  Business response

  07/11/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 12/31/2017.The last purchase on the account was in the amount of $10.44 on 08/30/2023. The last payment on the account was in the amount of $129.97 on 08/14/2023 the account charged off on 03/26/2024 in the amount of $1,254.31.
  Attached to this response are validation documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ********************  informing *************************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  According to 15 U.S. Code 1692g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  Thank you for attaching the identity theft report. We will forward the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies.
  We have updated our records to restrict additional letters, phone calls, emails, and letters regarding this account.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

  Customer response

  07/11/2024

   
  Complaint: 21926836
  
  I am rejecting this response because: 

   

  I appreciate the time you took in responding to my complaint, and deleting the report off my credit profile. Which you had no right to even put on there in the first place. However, Please be advised that you are not permitted to report anything to my personal consumer profile as you did not send me a letter giving me the opportunity to request validation prior to you doing so. The documentation that you provided does not satisfy the requirements of debt validation per the ****** Your blatant disregard for the rules set our by congress is appalling. As far as I'm aware I never gave you consent in writing nor have you gotten one from a court to contact me with regards to an alleged debt, by you reporting this on my credit profile it is a form of communication, in which you bypassed the validation stage. 

  Verification means more than just saying that a debt is owed, and providing an alleged statement which has a legal meaning of an allegation. Providing a few statements does not satisfy the requirement of validating a debt under the ****** I as Beneficiary of the Trust, reject your claim in which you have "validated" the alleged debt. 

   

  The Bureaus, through one of more of its proper employees, officers or agents, answer the following interrogatories. Be advised that if you are the attorney for The Bureaus and you answer these questions under oath, you will be subject to cross-examination and waive they attorney client privilege.
  
  1.     Please provide your personal/human full name, occupation, and mailing address. I need to know exactly who I'm speaking with, not just a corporate entity.

  
  a.     Response:
  
  2.     Is your response to each request for admission served with these interrogatories an unqualified admission? If not, for each response that is not unqualified admission:
  a.     State the number of the request:
  
  b.     Provide the dates when the Trust or *********************** gave written permission for The Bureaus to contact them regarding the debt:
  
  c.     Provide the dates when the Trust or *********************** gave written permission for The Bureaus the right of use of the Copyright and Trademark ***** ********* ********************* in any variation:
  
  
  d.     State all facts upon which you base your response:
  
  
  e.     State the. Names, addresses, and telephone number of all persons who have knowledge of those facts:
  
  f.      Identify all documents and other tangible things that support your response and state the name, address, and telephone number of the person who has each document or thing:
  
  g.     When did *********** consent to or request assignment or transfer of any account to your company? Please provide the purchase agreement for the alleged debt. 
  
  h.     Produce any tangible evidence that might establish or support your claim.
  
  i.      What services did The Bureaus provide to ***********************?
  
  j.      Were these services requested by ***********************? If yes, what dates were these services requested?
  
  k.     Are you aware of any signed contracts between *********************** and The Bureaus? If so, produce tangible evidence.
  
  l.      Please confirm if *************** notes were issued to the local *************** agent on behalf of *********************** to complete the transaction in question. If yes, please provide the date of issuance and the amount.
  
  m.    The Bureaus is claiming a debt to be outstanding, has the original note been produced? Please detail any instances where a copy will be used/furnished.
  
  n.     Is there a TRUE BILL associated with this debt? If so, provide a certified copy, if not explain why not in a full and complete detail.
  
  o.     Until further notice: The Internal Revenue Service has provided guidance, that until further notice, there will be no penalties for financial institutions such as yours or the alleged original creditor that you claim to represent, for failing to provide the recipient copies of the 1099c to the borrower for the Cancellation of the Debt, Charge-Off, Write-Off, Forgiveness, Extinguishment, Setoff, Discharge, if any of these were associated with the alleged debt, please indicate which, the date that they apply, the dates the borrower was notified, and any and all financial records documenting discounts, deductions and or reduction, and or credit and or tax liability for you and or your organization associated with the alleged debt,
  
                                                 i.     Please take special notice that any discount, any deductions, any reductions, in tax liabilities associated with the instant alleged debt, equate to some sort of benefit, usually dollar for dollar if this is the case, such was received directly related to and or associated with the borrowers interest, the borrower was to be notified, the borrowers alleged account balance was to be adjusted.
  1.     Was this done?
  2.     When was the borrower notified?
                                               ii.     Take further notice, that although the *** has elected to not enforce penalties for these members to supply the recipient copy to the borrower indicating such cancellation of the obligation, this does not absolve the alleged creditor of the duty and obligations of the borrowers for failure to supply this information to the borrower equated to malfeasance and a breach of fiduciary duty, and is actionable.
  
  
  3.     Bond and Insurance information:
  
  You are, in accordance with the Liabilities Act required to submit to your insurance company, confirmation upon request and notification of a damage claim. Such will result in an additional and separate claim being filed against the bond and or insurance company for your breach and injury.
  
  Provide the name of the company that issues your bond and or insurance:
  
  What is their contact information:
  
  What is the value of the bond and or insurance policy:
  
  Provide a copy of this policy.
  
  
  
  NOTARIAL ACKNOWLEDGEMENT AND JURAT CERTIFICATE
  
  ************************
  STATE OF ******
  COUNTY OF_________
  
  On this ___ day of_____ 2024, _________________________________ personally appeared before me, ___________________________________(notary public) who provided to me on the basis of satisfactory evidence to be the person(s) whos name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. This jurat evidences the addidavit accuracy is verified by the Affiant, who assumes full responsaiblity for the facts and information contained herein under panelty and purjery, the notary assumes no liability as to the validity of the information contained within this instrument.
  
  Signature (he/she/they):___________________________________        
  
  Notary Signature:__________________________________________
  
  Notary Seal:                             
  
  Under the Truth in Lending Act pursuant to 15 USC 1601-1667j (full disclosure), I have a right to know who the true party of interest in this transaction is. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note (Installment Loan Agreement) referenced above. If you are not the holder, then you admit to being the servicer of this obligation. Please also stipulate for the record whether or not my promissory note has been securitized, and if so, the name of the REMIC/Trust my promissory note is bundled with. Pursuant to U.C.C. - ARTICLE 3 -3-501 (b) 2 (1), I am entitled to demand a presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in transportation. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be "the holder in due course" as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who the rightful and lawful holder in Due Course CURRENTLY is. If you are unable to provide this proof as I have requested within twenty-one (21) days, then it is your tacit agreement and admission to not being a party of interest and cannot rightfully enforce your claim under U.C.C. - ARTICLE ****** and waive all rights and claims to.

  
  In a recent case law, it was ruled as follows: "It is the creditor's responsibility to keep a borrower and the Court informed as to who owns the note and mortgage and is servicing the loan, not the borrower's or the Court's responsibility to ferret out the truth It is worth repeating as a warning to lenders and servicers that the rules of this Court apply to them. Their private agreements and the frenzied trading market for mortgages do not excuse compliance with Bankruptcy Rules any more than they would justify ignoring the Bankruptcy Code." (In re *****, 406 B.R. 434, 440 (D. Mass 2009) bankruptcy trial court decision)

   

  o   ********************** V. ****** of ****, 930 P.2d 455 (Utah Ct. App. 1997)
  o   ******************* of Fairbanks ****************, 526 P.2d 146 (****** 1974)
  o   ****** V. ******************* of Oakland, 98 N.E.2d 659 (III. APP. CT. 1951)
  
  It has been established that a credit transaction involves the extension of credit by a lender to a borrower, creating a contractual obligation to repay the borrowed amount, rather than an immediate transfer of physical funds. Therefore, it is imperative to ascertain the validity and nature of the alleged debt before any further action is taken.

  
  Under US Code TITLE 15 > CHAPTER 41> SUBCHAPTER V> 1692g part b), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. ******* disregard for this law is subject to fines by the ****

  
  I am giving you formal notice that failure to respond to this debt validation letter through a verified and validated proof of claim within twenty-one (21) days as I have asked for, point for point, via sworn affidavit under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief, will be taken as an administrative default.

  
  Please be advised: A COPY of the said Note and or an Affidavit of Loss or any other forms will not be acceptable. Please contact me in writing to arrange for an appropriate point of inspection in: ***********, ******, ************

  
  Litigation is very expensive and should be avoided at all costs. This is my good faith attempt to resolve this matter before I am forced to litigate against your company in both state and federal court. I am willing to work with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will report this company to the proper agencies and see you in court. This is not an idle threat.

  
  If you fail to provide the aforementioned documentation to validate your claim within twenty-one (21) days from the above date signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief then you will forfeit all alleged rights and claims to the alleged debt. Your failure to provide the aforementioned documentation within thirty (21) days, from the above date, to validate the debt, will constitute your agreement of the following terms:

  
  1. That the alleged debt did not exist in the first place; OR
  2. It has already been paid in full; AND
  3. That any damages I may suffer, you will be held culpable;
  4. That any negative remarks made to a credit reference agency will be removed.
  5. You will no longer pursue this matter any further.
  6. You agree to pay all fee schedules.
  Please take this matter seriously.
  I affirm all statements contained herein are true, and correct and not misleading to the best of my knowledge.

  
  Sincerely,

  ******************************, Authorized Representative Without Prejudice UCC 1-308
  No assured value, No Liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT PREJUDICE- WITHOUT RECOURSE- NON- ASSUMPSIT. 
  Sincerely,
  

  

  Business response

  07/11/2024

  The Bureaus, *** is a debt collector.  The validation documents previously provided meet the meets the requirements based on the standard set by the 3rd,4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec. 809(b).
  The information requested is not validation information. According to 15 U.S. Code 1692g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  We will forward the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  05/16/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have attached a letter that was mailed to the Bureaus 6 times. They refuse to send me anything in writing or go over the debt. I have asked for proof of this old debt... I don't even know what this debt is for. I don't have an account number for this old debt they purchased, nor will they provide one in writing. They basically attached it to my credit and will not show where it came from or how to resolve it writing. I had asked for a settle letter in writing for debt I am unsure and still nothing was mailed to me.

  Customer response

  05/20/2024

  Good morning,  

  Im confused. When filing this complaint I attached the letter that was sent numerous times. Its the exact same letter six times. What are you requesting of me? A copy of the old letters, dates I sent the letters? 
  

  it doesnt matter if I have sent this letter multiple times. I am requesting proof this debt. I do not recall this debt. I am unsure its really mine, and I have no bad debt on the debts the state. The only thing that needs to be done is to provide me with proof. 

  

  Business response

  05/20/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 04/12/2018.The last purchase on the account was in the amount of $190.61 on 09/20/2019. The last payment on the account was in the amount of $35.00 on 11/13/2019 the account charged off on 06/30/2020 in the amount of $1,435.20.
  Our records indicate that the account has been reported as disputed since 2020 when we received notice of a dispute from the credit reporting agencies. Our records do not indicate we ever received a request for validation information. The letter attached to the Better Business Bureau Dispute has not been received by our office.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. According to 15 U.S. Code 1692g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  Attached to this response are the supporting documents provided to us by *************. The documents include the card member agreement, billing statements and a letter from *************  informing *********************************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec.809(b). Our previous investigation found the information disputed to be accurate.We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  04/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On oct 12 /2021 I made a payment to ************************** for the amount of $404.37 for the ( COMENITY ******** SECRET account ending on ****** this account was sold ON 2/14/2020 to THE BUREAUS INVESTERS PORTFOLIO NO15 LLC ORIGINAL ACCOUNT #**** LLC ACCOUNT #******** TOTAL BALANCE PAID$404.37 paid onOCT /12/2021 paid to company Glass mountain Capital ********************************************************* ************ account #******** I been sending letters to THE BUREAUS AND TO GLASS MOUNTAIN SENDING DOCUMENTS DISPUTE THROW ************************** EQUIFAX I PAID THE amount I owe I had lost my job thats why I didnt paid for the card, as soon I had the money I paid the whole amount. The company is not replying to my letter my dispute and the wrong re****s on my credit is hurting ME to GET A LOAN FOR A.HOME and good LOW INTEREST REST I HAVE TRY CALL SENDING LETTERS FOR MONTH DISPUTE DIRECT WITH EXPERIAN,TRANSUNION AND EQUIFAX FOR MONTH AND NOTHING the results been that my credit score has decreased for me trying to fix a item that is paid and a credit is not welling to delete or to **** paid as agreed remove the charge off re**** and stop hurting consumer STOP BEEN A BULLY Remove ANY AND NEGATIVE REMOVE FROM THE ACCOUNT LIKE BUT NOT LIMITED TO COLLECTION/CHARGE OFF/CHARGE ACCOUNT/CHARGE ACCOUNT BAD DEBT PURCHASE BY ANOTHER LENDER .I GAVE TO 2 OPTION (1) They can delete the account from all 3 major credit bureaus that I really dont want that option because that card im using it as my history.(2) They can take all the negative re**** from the account stop bullying consumer **** paid as agreed as they got full payment on an account that they only paid ***** on the dollar for that account.

  

  Business response

  04/08/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************, Victoria ****** account, underwritten by ************* ,and opened on 03/08/2016.
  Our records indicate that the account was paid in October 2021 and we sent an electronic account deletion request to all three credit reporting agencies on November 21, 2021. Because you indicated the account is still appearing, we submitted another request and have attached a copy for your records.
  Thank you for attaching the identity theft report. We will forward the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  
  
  
  

• Initial Complaint

  02/22/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ******************** Nation. I do not have a contract with The Bureaus *** , they did not provide me with the original contract as requested.

• Initial Complaint

  02/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.Please rectify this matter promptly. My account number is *****

• Initial Complaint

  02/18/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable fr this debt with ************ I do not have a contract with THE BUREAUS **** they did not provide me with the original contract as i requested.

• Initial Complaint

  02/18/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with THE BUREAUS **** I do not have a contract with THE BUREAUS **** they did not provide me with the original contract.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩