Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:09/18/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Customer Answer

  Date: 09/19/2023

  I filed myself. I am requesting the reported debt to "The Bureaus **** I do not recognize this debt and I do not have a contract with them and I am demanding it to be removed from my report. Under consumer rights. 

  

  Business Response

  Date: 09/19/2023

  Please accept this as our response to the complaint of ************************************. File number *********, original account number ****************, was originally a ************ N.A. account opened on 12/02/2016.The last purchase on the account was in the amount of $113.00 on 12/23/2016. The last payment on the account was in the amount of $0.00 on  the account charged off on 07/31/2017 in the amount of $903.24.
  File number *********, original account number ****************, was originally a ************ N.A. account opened on 11/13/2016.The last purchase on the account was in the amount of $189.68 on 11/19/2016. The last payment on the account was in the amount of $0.00 on  the account charged off on 06/30/2017 in the amount of $807.67.
  Attached to this response are the supporting documents provided to us by ************ N.A.. The documents include the card member agreements, billing statements and a letters from ************ N.A.  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. An original contract is not required validation information.
  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 ****g 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. ****, 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. ****, 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

  Date:09/15/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The basis for my dispute Account Resolution *********************** LLC Mr. ****************************** *********************************** , 416627813,$425 - was required to notify me prior to 06/25/2020, or no later than 30 days after. THE BUREAUS *** failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 06/25/2020, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p), 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC ***** that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, THE BUREAUS *** " failed to give me my ************** five days prior to placing this derogatory item on all of my credit reports, per *********************** 809, which is $1000 per violation and the ************** allows treble damages.Under 809. Validations of date and Mini-******* under Section 807(1) Account Resolution *********************** LLC Mr. ****************************** Director failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the ***** I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the **** and that my state attorney general can also enforce this with a $1000 penalty as well.I attached a copy of the law and the actual document from the federal reserve THE BUREAUS *** is held liable as well for defamation and in the ************** a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. Heard 980 S.W.2d693(Tex.App-*********** **** reh.den.) citing ************************** 936 S.W.2d 654(Tex.App-****** **** writ dism'd w.o.j.)

  

  Business Response

  Date: 09/18/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 08/23/2017.The last purchase on the account was in the amount of $12.97 on 10/03/2019. The last payment on the account was in the amount of $30.00 on 10/11/2019 the account charged off on 05/31/2020 in the amount of $425.36.

  
  The Bureaus, *** placed the account with ******************************* LLC for collection services. Attached is the letter that ******************************* LLC sent on June 19, 2020, prior to 06/25/2023 as stated was required. The letter was sent to the same address provided in the Customer Information of this complaint. ******************************* LLC did not receive the letter back as undeliverable. The letter attached contains the required mini-miranda ********************* credit information furnished by The Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, 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

  Date:09/14/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******************* of ****** I do not have a contract with The Bureaus **** They did not provide me with the original contract as I requested. I demand that this account be removed from credit report.

  

  Business Response

  Date: 09/18/2023

  The federal debt collection rule requires debt collectors  provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.

  Unfortunately, we were unable to conduct an investigation into this complaint because would need more information to identify the account such as: TBI account number, original account number, date of birth or last four digits of your social security number.

  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.

  Customer Answer

  Date: 09/19/2023

   
  Complaint: 20607294
  
  I am rejecting this response because:
  
  I have also not received any proof of verification for this debt.

  I am not liable for any debt with The Bureaus *** and require immediate remove of account off credit report.  

  Sincerely,
  
  *********************************

• Initial Complaint

  Date:09/13/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with COMENITY BANK. I do not have a contract with THE BUREAUS ***** They did not provide me with the original contract as I requested

  

  Business Response

  Date: 09/14/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 12/09/2018.The last purchase on the account was in the amount of $210.82 on 03/09/2019. The last payment on the account was in the amount of $10.00 on 09/30/2019 the account charged off on 03/31/2020 in the amount of $476.01.
  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. An original contract is not required validation information.
  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 ****g 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. ****, 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. ****, 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

  Date:09/12/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 01 ******************** NATION, I do not have a contract with THE BUREAUS , they did not provide me with the original contact as requested

  

  Business Response

  Date: 09/12/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 11/16/2017.The last purchase on the account was in the amount of $16.70 on 01/10/2019. The last payment on the account was in the amount of $192.65 on 03/11/2019 the account charged off on 07/15/2019 in the amount of $290.29.
  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. An original contract is not required validation information.
  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 ****g 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. ****, 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. ****, 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

  Date:09/09/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 09/11/2023

  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 08/11/2016.The last purchase on the account was in the amount of $4.96 on 04/24/2017. The last payment on the account was in the amount of $100.00 on 03/22/2017 the account charged off on 10/28/2017 in the amount of $482.51.
  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 federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  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 ****g 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. ****, 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. ****, 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

  Date:09/08/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable and should not be held accountable in any form for this debt with *********************** I do not have a contract with The Bureaus **** They did not provide me with a original contract as I have requested from them.

  

  Business Response

  Date: 09/11/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 10/17/2018.The last purchase on the account was in the amount of $14.98 on 06/08/2019. The last payment on the account was in the amount of $80.00 on 09/21/2019 the account charged off on 05/31/2020 in the amount of $439.04.
  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 ******  Deliard  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. An original contract is not required validation information.
  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 ****g 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. ****, 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. ****, 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 Answer

  Date: 09/12/2023

   
  Complaint: 20575557
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:09/08/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with *********** National Associat. I do not have a contract with The Bureaus. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 09/11/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 03/14/2018.The last purchase on the account was in the amount of $319.71 on 08/21/2022. The last payment on the account was in the amount of $73.00 on 07/14/2022 the account charged off on 03/04/2023 in the amount of $1,163.83.
  

  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. An original contract is not required validation information.
  

  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 ****g 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. ****, 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. ****, 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

  Date:09/07/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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 I requested.

  

  Business Response

  Date: 09/11/2023

  The federal debt collection rule requires debt collectors  provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  

  Unfortunately, we were unable to conduct an investigation into this complaint because would need more information to identify the account such as: TBI account number, original account number, date of birth or last four digits of your social security number.
  
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, 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. ****, 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.

  
  

  Customer Answer

  Date: 09/12/2023

   
  Complaint: 20570987
  
  I am rejecting this response because:

  This business is accusing me of having an account with them. I do not. I don't have an account number to provide, because I have never had an account. They have submitted this negative information to all of the credit bureau with out proof or even the proper information. I demand that this debt is removed from all credit bureaus. How can they damage my credit without this information. No social security number. No account number. Nothing and no proof that this account has anything to do with me. I want it removed immediately!!!
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 09/13/2023

  *************************** is a common name. Unfortunately, we were unable to conduct an investigation into this complaint because would need more information to identify the account such as: TBI account number, original account number, date of birth or last four digits of your social security number. The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 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.

• Initial Complaint

  Date:08/30/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with The Bureaus **** I don't have any legal pending contract with ******************* of ***** as they did not provide my with the original contract as requested.

  

  Business Response

  Date: 09/01/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a First ************* of ***** account opened on 08/31/2017.The last purchase on the account was in the amount of $0.00 on 07/16/2018. The last payment on the account was in the amount of $35.00 on 06/29/2018 the account charged off on 02/28/2019 in the amount of $3,652.76.
  Attached to this response are the supporting documents provided to us by First ************* of *****. The documents include the card member agreement, billing statements and a letter from First ************* of *****  informing *****  Harb  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO ***************************************************************************************************** the complaint.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  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 ****g 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. ****, 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. ****, 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.