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:06/27/2023

  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 a contract as requested.

  

  Business Response

  Date: 07/11/2023

  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 08/10/2016.The last purchase on the account was in the amount of $152.64 on 12/20/2016. The last payment on the account was in the amount of $35.00 on 02/19/2017 the account charged off on 07/31/2017 in the amount of $702.16.
  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.
  According to 15 U.S. Code ****g - 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 ****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:06/23/2023

  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, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 06/26/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 02/20/2016.The last purchase on the account was in the amount of $37.27 on 06/27/2017. The last payment on the account was in the amount of $100.00 on 06/27/2018 the account charged off on 02/28/2019 in the amount of $430.69.
  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.
  An original contract is not required as verification. According to 15 U.S. Code ****g - 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 ****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:06/20/2023

  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 DO NOT OR EVER HAD A CONTRACT WITH THE BUREAUS ********** HAVE NOT PROVIDED ME WITH ANY VERIFICATION OR ORIGINAL CONTRACT.

  

  Business Response

  Date: 06/21/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 06/22/2016.The last purchase on the account was in the amount of $46.85 on 01/07/2018. The last payment on the account was in the amount of $50.00 on 05/04/2018 the account charged off on 11/30/2018 in the amount of $383.57.
  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 Breyonna  ********  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC. This information was previously sent by mail on the date of each document and sent again on 03/24/2022. The address the information was originally sent to and was sent to again in March, is the same address ******** provided in her complaint.
  An original contract is not required as verification. According to 15 U.S. Code ****g - 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 ****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:06/17/2023

  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 ***************** I do not have a contract with The bureaus. they did not provide me with the original contract as requested

  

  Business Response

  Date: 06/19/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 05/27/2018.The last purchase on the account was in the amount of $1.50 on 01/06/2019. The last payment on the account was in the amount of $25.00 on 08/24/2019 the account charged off on 09/27/2019 in the amount of $405.46.
  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.
  According to 15 U.S. Code ****g - 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 ****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.
  

  Customer Answer

  Date: 06/21/2023

   
  Complaint: 20199471
  
  I am rejecting this response because: I have never lived at this address on file in the documents sent 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 06/22/2023

  We have attached a fraud affidavit. Upon completion of this document, you will need to have your signature notarized and return it to my office. We also require a copy of your signature appearing on an official identification card of some form (your drivers license will suffice). Once we have compiled the above referenced documentation, we will apprise you of the outcome. Instead of the attached affidavit of forgery, we also will accept a police report. Thank you in advance for your anticipated cooperation

• Initial Complaint

  Date:06/16/2023

  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.

  I do not know who The Bureaus **** is nor have I ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency.

  

  Business Response

  Date: 06/19/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 07/28/2018.The last purchase on the account was in the amount of $711.75 on 08/19/2018. The last payment on the account was in the amount of $30.00 on 09/11/2019 the account charged off on 04/30/2020 in the amount of $990.46.
  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.
  According to 15 U.S. Code ****g - 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 ****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:06/05/2023

  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 with this debt with ********************** I do not have a contract with *************** They did not provide me with the original contract I requested.

  

  Business Response

  Date: 06/06/2023

  Please accept this as our response to the complaint of *********************************. File number *********, original account number ****************, was originally a Victoria ****** account underwritten by ************** opened on 10/01/2016.The last purchase on the account was in the amount of $209.65 on 05/05/2018. The last payment on the account was in the amount of $40.00 on 03/13/2019 the account charged off on 10/31/2019 in the amount of $296.01.
  We are mailing the supporting documents provided to ** by ************* to PO Box 633, Silt ** *****. 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 documents were previously sent to *********************************************************************
  File number *********, original account number ****************, was originally an Ulta Beauty account underwritten by ********************** opened on 04/08/2017. The last purchase on the account was in the amount of $50.14 on 08/24/2018. The last payment on the account was in the amount of $30.00 on 03/13/2019 the account charged off on 10/31/2019 in the amount of $462.11.
  We are mailing the supporting documents provided to ** by ********************* PO Box 633, Silt ** *****. 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 documents were previously sent to ********************************************************************, the address provided on the original application, also attached.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, **** ****************** 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:05/29/2023

  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.

  I never had issue with payment related to ************ thats collection was posted in my credit reported irregular ( Transunion Report ) Account - *********

  

  Business Response

  Date: 05/31/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 12/04/2018.The last purchase on the account was in the amount of $50.00 on 12/04/2018. The last payment on the account was in the amount of $0.00 on  the account charged off on 07/31/2019 in the amount of $243.20.
  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 Pari  Sharifinarani  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  According to 15 U.S. Code ****g - 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 credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, **** ****************** 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:05/20/2023

  Type:Service or Repair 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.

  No knowledge of this account or have I been contacted by this company

  

  Business Response

  Date: 05/22/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 12/23/2016.The last purchase on the account was in the amount of $29.95 on 07/26/2018. The last payment on the account was in the amount of $27.00 on 02/15/2019 the account charged off on 10/31/2019 in the amount of $1,171.01.
  Attached to this response are the supporting documents provided to ** by *********************. The documents include the card member agreement, billing statements and a letter from ********************* informing ********  Marin  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  Also attached, is a letter previously received from *************************** acknowledging the account and making a settlement offer.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, **** ****************** 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:05/14/2023

  Type:Service or Repair 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.

  YOU ARE REPORTING INACCURATE AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. I ASK FOR A FULL DISCLOSER OF THIS ACCOUNT. I DID NOT RECEIVE MY ORIGINAL CONTRACT, SIGN SIGNATURE, OR ANY INFORMATION ABOUT THIS DEBT. IT HAS BEEN 45 DAYS AND BY LAW THIS DEBT IS NOT MINE. DELETE THIS ACCOUNT ASAP. ********************** STOP CALLING ME AND HARASSING ME STOP CALLING ME AFTER 9PM AFTER I TOLD YOU NOT TOO. YOU ARE VIOLATING MY PRIVACY AND MY RIGHTS AS A HUMAN. DELETE THIS ACCOUNT ASAP.

  

  Business Response

  Date: 05/15/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 09/01/2019.The last purchase on the account was in the amount of $524.30 on 09/01/2019. The last payment on the account was in the amount of $72.00 on 10/26/2019 the account charged off on 06/30/2020 in the amount of $860.46.
  Attached to this response are the supporting documents provided to ** by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ********************  informing Farah ************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  According to 15 U.S. Code ****g - 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 ****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 **. 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. ****, **** ****************** 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:05/05/2023

  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 BUREAUS INCAccount Number: 41680****15 U.S. Code ****e - False or misleading representations 15 U.S. Code ****d - Harassment or abuse 15 U.S. Code ****s - Administrative enforcement Provide proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.My name is ***************************** and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.***** has been committed on my consumer report, which violates the **** and ****** The Bureaus *** is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC ******* and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.). 15 U.S.C. **** (G) Section 809 B).THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C *****. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098'S) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities.This is also a NOTICE exercising my rights to prevent the processing of my personal data by The Bureaus ***. Please be advised that providing a memorandum or other statement from your agency, stating that The Bureaus *** the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE ******

  

  Business Response

  Date: 05/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 12/04/2018.The last purchase on the account was in the amount of $21.90 on 01/08/2020. The last payment on the account was in the amount of $40.00 on 12/06/2019 the account charged off on 07/31/2020 in the amount of $326.58.
  Attached to this response are the supporting documents provided to ** 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 ****g - 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 ****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 **. We hope the enclosed verification documentation will bring a resolution to this dispute.
  We have attached a fraud affidavit. Upon completion of this document, you will need to have your signature notarized and return it to my office. We also require a copy of your signature appearing on an official identification card of some form (your drivers license will suffice). Once we have compiled the above referenced documentation, we will apprise you of the outcome. Instead of the attached affidavit of forgery, we also will accept a police report. Thank you in advance for your anticipated cooperation.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, **** ****************** 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.