|
11695635
|
2025-01-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
|
|
11460312
|
2025-01-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11489845
|
2025-01-12
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated messages
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11569255
|
2025-01-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
|
|
11293486
|
2024-12-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-28
|
|
|
11074045
|
2024-12-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Complaint What Happened |
I am filing a complaint against The Bureaus for multiple violations of the FDCPA and FCRA related to account # XXXX. Despite numerous requests over the past six months for debt validation, The Bureaus has failed to provide any verification or supporting documentation. This continued inaccurate reporting and failure to validate the debt have harmed my credit profile and caused financial and emotional distress.
Specific Errors and Violations Failure to Validate Debt Violation : FDCPA 15 U.S.C. 1692g ( b ) requires debt collectors to cease collection activities until the debt is properly validated. The Bureaus has not provided any documentation, such as the original agreement, proof of ownership, or itemized billing statements.
Impact : Continued collection activity and reporting without validation are illegal and have caused harm to my creditworthiness.
Inconsistent Reporting Across Credit Bureaus Violation : FCRA 623 ( a ) ( 1 ) mandates accurate and consistent reporting to credit bureaus. The account is reported with conflicting details across XXXX, XXXX, and XXXX : XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX Impact : These inconsistencies misrepresent my credit profile and have negatively affected my credit score.
Misleading Reporting of Past Due Amount Violation : The Bureaus reported a collection account with a separate past due amount, which is misleading. The entire balance should be reported as past due. This violates the FCRA 's requirement for accurate and non-misleading reporting ( FCRA 623 ( a ) ( 1 ) ).
Impact : This misleading information damages my creditworthiness and misrepresents my financial standing.
Providing False or Misleading Information Violation : FDCPA 15 U.S.C. 1692e ( 8 ) prohibits furnishing false or misleading information to credit bureaus. Reporting a debt that has not been validated is a clear violation of this provision.
Impact : This has caused undue stress, financial harm, and limited access to credit opportunities.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11081106
|
2024-12-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-10
|
| Complaint What Happened |
THE BUREAUS INC Dispute Details : This collection account reflects a past-due balance of {$1400.00} as of XX/XX/year>. The reporting contains inaccurate and misleading information that is unverifiable.
- It is a violation to continue to report false, unverifiable information.
- 15 USC 1692e ( 10 ) False or Deceptive Practices : Reporting a charged-off account inaccurately can be classified as a deceptive practice.
your company violated below : - 15 USC 1692e ( 8 ) Failure to Communicate Dispute : If the account is disputed, the creditor must note this status in credit reports. Failing to do so violates this provision.
- 15 USC 1681s-2 ( a ) ( 1 ) ( B ) Duty to Update Information : Creditors must promptly update and correct any inaccurate information. A charged-off account should not remain as active.
- 15 USC 1681c ( a ) ( 4 ) Obsolete Information : Charged-off debts must not remain on a credit report beyond seven years from the date of delinquency.
- 15 USC 1692e ( 2 ) ( A ) Prohibits false representation of the character, amount, or legal status of any debt. Listing a charged-off account as active violates this
clause.
- 15 USC 1692f Prohibits unfair or unconscionable means to collect or report a debt. Reporting a written-off debt as active is deceptive and harmful - I Demand the exact documentation proving the validity and ownership of the debt.
- Essential Information a Debt Collector Must Provide Proof of Ownership of Debt : Original creditor details.
Documentation showing that the debt was legally assigned or sold to the current collector.
Details About the Debt : Original account number and creditor name.
Date the debt originated and its age ( to determine if its within the statute of limitations ).
Full breakdown of amounts owed, including principal, interest, fees, and other charges.
Validation Notice ( Required by FDCPA Section 809 ) : Sent within 5 days of initial contact.
Must include your right to dispute the debt within 30 days and request validation or verification.
Accuracy and Completeness : Debt must be free of errors or duplications.
The reporting of the debt must comply with XXXX XXXX XXXX XXXX for credit reporting.
Chain of Custody : A complete paper trail showing how the debt was transferred or sold from the original creditor to the current collector.
Legal Violations to Leverage for Immediate Deletion Unverified or Unauthorized Reporting : If the collector can not verify the debt with appropriate documentation under FCRA Section 611 ( a ), you can demand removal for being unverifiable.
Reporting Inaccurate or False Information : Misstating balances, statuses ( e.g., charge-offs ), or dates violates FCRA Section 623 ( a ) and FDCPA Section 807.
Failure to Validate Debt : If the collector fails to respond to a written validation request within 30 days, they are prohibited from further collection attempts ( FDCPA Section 809 ( b ) ).
Debt Outside Statute of Limitations : Collection of debts barred by the statute of limitations constitutes unfair and deceptive practices under FDCPA Sections 808 and 806.
Harassment or Misrepresentation : Stress caused by repeated attempts to collect invalid or unverified debts violates FDCPA Section 806 ( harassment ) and Section 807 ( false representation
|
| Consumer Consent Provided |
Consent provided
|
|
|
6298894
|
2022-12-08
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11111222
|
2024-12-11
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5969626
|
2022-09-11
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-11
|
| Complaint What Happened |
Using unconstitutional debt practices to attempt to collect a debt they purchased. This debt was not validated or disputed by me before they provided the delinquent information to the credit reporting agencies. This company is willfully disregarding the laws in place under the FDCPA.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5861218
|
2022-08-09
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2022-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5879775
|
2022-08-15
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2022-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5706020
|
2022-06-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-24
|
| Complaint What Happened |
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company.
I called them and they said I owed half of that for a store credit card, but refused to delete from my report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5390822
|
2022-03-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-31
|
| Complaint What Happened |
My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law.
This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out.
The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's .
The company has already stated the balance is XXXX, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5434963
|
2022-04-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-12
|
| Complaint What Happened |
I've disputed the account numberous of times and XXXX and XXXX states account is verified. I've also asked XXXX and XXXX to prove to me how was it verified. Neither bureau was able to disclose to me what methods they took to verify that the account is accurate.
My consumer rights are being violated. The inaccurate information that is reporting on my accoun is unfair and unequitable pursuant to to 15 USC 1681 ( a ) ( 4 ) I've attached a report from XXXX indicating that this accoun has already been removed from my profile.
I demand removal of this inaccurate account reporting on my profile. Remove account XXXX from my report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5534482
|
2022-05-03
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2022-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4952946
|
2021-11-28
|
Getting a credit card
|
Credit card or prepaid card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card opened as result of identity theft or fraud
|
| Sub Product |
Store credit card
|
| Date Received |
2021-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-28
|
| Complaint What Happened |
My information was furnished and used on XX/XX/XXXX without my consent for a XXXX XXXX XXXX credit card. It was a {$350.00} credit limit and immediately maxed. Some payments were made on the card but it was eventually defaulted. The Bureaus claim date of first delinquency was XX/XX/XXXX but last payment prior acquisition was XX/XX/XXXX. Why would an account be turned over for collection before it was ever delinquent? I incurred damage to my credit standing, declined auto loans, credit cards and other services that I probably would have been granted without this inaccurate information. This account was sold to The Bureaus and I have been in contact with them. I have demanded the original, written and or recorded contract/application, copies of my ID/SS card or number and all other relevant information to prove that it was me that opened the account. They did not provide anything except the payment history and other irrelevant documents, but nothing proving ownership. I have disputed this XXXX XXXX XXXX XXXX through no avail. They always XXXX reply saying the information has been verified. I know this is inaccurate being my XXXX, XXXX, XXXX and XXXX accounts are frozen ; therefore, they continue to be dishonest while causing a consumer financial harm.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5999196
|
2022-09-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4867697
|
2021-11-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-11-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-02
|
| Complaint What Happened |
There is an old account still showing I owe and I settled and paid it. The credit bureaus are not complying. Please help
|
| Consumer Consent Provided |
Consent provided
|
|
|
4609174
|
2021-08-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-06
|
| Complaint What Happened |
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4283168
|
2021-04-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-09
|
| Complaint What Happened |
Hello, my issue involves a debt I am actively disputing with The Bureaus Collection agency. While i have asked for verification numerous times in my disputes, and while they have yet to provide me with anything, I noticed today that they recently made a {$1.00} dollar payment into the account. I never made a payment to them because I do not even know what the debt is for much less ever received a response from them. I have noticed this happen before and did an online research. Apparently this is done to extend the statute of limitations of an account and also to keep the account active beyond the legal time frame.
The credit forums explain that whenever a payment is made a legal agreement to repay is created. When no other payments are received, they can consider this a breech of payment contract and report a new time limit. This is WRONG. Nothing has been paid by me or anyone else, and I am disputing not only the account which is not mine but also this illegal practice used to re-age accounts.
i am asking this federal agency to take a look at my consumer credit files, to reach out to this company and review all my dispute requests which have never once been answered and to put this company on the record for violating the law. This is illegal and wrong, to keep people locked into debts which they dispute. This is shameful.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10901910
|
2024-11-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10410047
|
2024-10-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7783103
|
2023-10-31
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-06
|
| Complaint What Happened |
I did not consent to, authorize nor benefit from any of the following accounts. Block and remove it immediately.
The Bureaus Agency Name : XXXX $ XXXX {$870.00} Account # : XXXX OPEN : XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4241563
|
2021-03-24
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-24
|
| Complaint What Happened |
I contacted The Bureaus to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the Bureaus, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the Bureaus, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. HoweverXX/XX/XXXXrepresentative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3823634
|
2020-08-31
|
Struggling to pay your bill
|
Credit card or prepaid card
|
|
| Issue |
Struggling to pay your bill
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company won't work with you while you're going through financial hardship
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2020-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-31
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5773813
|
2022-07-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-11
|
| Complaint What Happened |
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3502957
|
2020-01-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-20
|
| Complaint What Happened |
I have no knowledge of this debt
|
| Consumer Consent Provided |
Consent provided
|
|
|
10857108
|
2024-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10810116
|
2024-11-15
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-15
|
| Complaint What Happened |
I am disputing the reporting of this account on my credit report because it contains inaccurate information. Specifically, the balance and charge-off details are incorrect. This account was resolved, and I have documentation to support this resolution. I request that you investigate this error thoroughly and remove the inaccurate information. Please inform me of the steps being taken to address this dispute and ensure the accuracy of my credit history.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3027043
|
2018-09-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
The Bureaus, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2018-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-23
|
| Consumer Consent Provided |
Consent not provided
|
|
