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:12/20/2022

  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 COMENITY BANK and I do not have a contract with THE BUREAUS plus they did not provide me with the original application like I asked.account number: ***** amount disputed: $2,896

  

  Business Response

  Date: 12/21/2022

  An original application is not required for account validation.
  The information we already provided 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).
  Attached is a copy of the judgement granted in May ***************************** question.
  Our investigation found the information you disputed to be accurate. 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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.

• Initial Complaint

  Date:12/09/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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 have been a victim of identity theft. I discovered it last few weeks ago upon reviewing my credit report. I found accounts that are not mine, unknown addresses that I never resided, inquiries I never made and even variations of my name such as *************************, ***************************, and ****************************. Now I am dealing with creditors even though proofs has been given already. I also found this account that I believe not mine:Acct name: THE BUREAUS (Original Creditor: 01 SYNCHRONY BANK)acct no. *********date opened 10/01/2016 balance $562.00 I am not liable for this debt and I do not have a contract with:Company: THE BUREAUS Address: ********************************************************************* Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Any questions or concerns I can be reached at ************************************************************ and email at [email protected] need a response from the company.

  

  Business Response

  Date: 12/13/2022

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************** account opened on 12/13/2015.The last purchase on the account was in the amount of $105.95 on 02/29/2016. The last payment on the account was in the amount of $25.00 on 03/14/2016 the account charged off on 09/14/2016 in the amount of $562.72.
  Attached to this response are the supporting documents provided to us **************. The documents include the card member agreement, billing statements and a letter from **************. Informing ******  Keeling  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  Thank you for attaching the *** identity theft affidavit and police report. We have submitted a request to the credit reporting agencies to delete the information furnished by The Bureaus, Inc.
  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: 12/14/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:11/03/2022

  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 Reports Collection account to my credit report with false information. Per the documents they have sent to me, there is misinformation on the original delinquency date and when their account should be removed from credit reports. Per the company's response, The date of delinquency is 06/25/2016 which is false even according to statements they have sent to me. I believe The Bureaus deliberately tries to report incorrect information to credit reporting agencies. The information they provided is not enough to support their claim.I would like The Bureaus account to be removed from my credit reports since they report incorrect information. I've attached a screenshot of The Bureaus response to my complaint with all account information.

  

  Business Response

  Date: 11/08/2022

  We previously sent you supporting documents provided to us by the Original Creditor. The information we are providing meets the requirements based on the standard set by the cases in the 4th, 8th, 9th, and 10th circuit courts which set the standard for debt validation under 15 USC ****g Sec.809(b).

  
  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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.

  
  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.Tell us why here...

  Customer Answer

  Date: 11/09/2022

   
  Complaint: 18354648
  
  I am rejecting this response because: The Bureaus have not addressed my concern regarding reporting/calculating wrong original delinquency date, Instead submitted general response. The original delinquency date provided by The Bureaus is wrong, even according to the papers they've sent. From The Bureaus response you can see how they avoid simple question: why they report incorrect original delinquency date and why it does not match the date on papers they have sent? Once again, It seems that The Bureaus deliberately report wrong information.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 11/10/2022

  The last payment on the account is 05/21/2016 for $27.00. This information is confirmed in the statement attached.
  Experian.com explains, The original delinquency date is the date the account first became delinquent and was not brought current, or the first late payment in a series.
  The same billing statement shows the next payment was due on 6/21/2016. The delinquency date is 06/25/2016 because that is the date which the account became delinquent.
  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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus,***. Expressly denies. The Bureaus, Inc. also expressly reserves all of its rights and defense.

  Customer Answer

  Date: 11/11/2022

   
  Complaint: 18354648
  
  I am rejecting this response because: Once again The Bureaus is deliberately providing a false statement. In The Bureaus response, there is no indication of where the date "06/25/2016" came from, based on what?. The Bureaus Statement, "The delinquency date is 06/25/2016 because that is the date which the account became delinquent, " is a false statement and is not supported by any document. Based on what record The Bureaus determined that the delinquency date is 06/25/2016. There has been no such document provided showing the delinquency date as 06/25/2016. Instead, they claimed that statement shows the next payment was due on 06/21/2016 but have never given any explanation on where the date 06/25/2016 came from. This is not a mistake, I find it to be a lie and wrongdoing on The Bureaus part. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:10/06/2022

  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 *********** and i do not have a contract with the bureaus plus they did not provide me with the original application like i asked

  

  Business Response

  Date: 10/14/2022

  Please accept this as our response to the complaint concerning file number *********, original account number **************** which was sold to BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The account was originally a ************ N.A. account opened on 02/14/2013.The last purchase on the account was in the amount of $296.40 on 07/25/2015. The last payment on the account was in the amount of $75.00 on 11/28/2015 the account charged off on 06/30/2016 in the amount of $1,881.64.
  Attached to this response are the supporting documents for the account.The documents include the card member agreement and 18 billing statements provided to us ************ N.A as well as a validation notice. All of this information was previously sent via hard copy.
  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 ****; (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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b).
  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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
  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:09/26/2022

  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 would like for these corrections to be made on my credit report

  

  Business Response

  Date: 09/26/2022

  Attached please find the card member agreement provided to us by ************ ********************* The credit reporting section is highlighted for your reference. 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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
  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:09/26/2022

  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 ******************************* and do not have a contract with The Bureaus, Inc. They did not provide me with the original application as I asked.

  

  Business Response

  Date: 09/26/2022

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 07/14/2019.The last purchase on the account was in the amount of $821.33 on 07/14/2019. The last payment on the account was in the amount of $100.00 on 12/27/2019 the account charged off on 07/31/2020 in the amount of $985.31.
  Attached to this response are the supporting documents provided to us ************ ********************. 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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b).
  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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
  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:09/23/2022

  Type:Sales and Advertising 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.

  Under 15 U.S. Code ****j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.THE BUREAUS Account Number: ***** Delete this unverified and misleading account.

  

  Business Response

  Date: 09/26/2022

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 04/04/2015.The last purchase on the account was in the amount of $182.00 on 12/14/2017. The last payment on the account was in the amount of $40.00 on 10/24/2018 the account charged off on 05/28/2019 in the amount of $811.69.
  We are mailing documents provided to us by **************** ****** ********************. The documents include the card member agreement,billing statements and a letter from **************** ****** ********************. ************************************ 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 consumer's 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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b).
  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 https://www.consumerfinance.gov/consumertools/cred it-reports-and-scores/.
  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:09/20/2022

  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.

  In accordance with the Fair Credit Reporting act THE BUREAUS *** Account #: ********* , has violated my rights. 15 U.S.C **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions

  

  Business Response

  Date: 09/26/2022

  Attached to this response is the cardmember agreement provided to us by *********** N.A. The section regarding credit reporting has been highlighted for your reference. 

  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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.

  
  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:09/15/2022

  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 COMENITY BANK and I do not have a contract with THE BUREAUS plus they did not provide me with the original application like I asked.account number: *********amount disputed: $2,851

  

  Business Response

  Date: 09/19/2022

  The information we already provided meets the requirements based on the standard set by ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b). 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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/. 

• Initial Complaint

  Date:09/12/2022

  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.

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

  

  Business Response

  Date: 09/12/2022

  The information we previously provided meets the requirements based on the standard set by ******** ************************, 174 F.3d 394 (4th Cir. ****) which sets the standard for debt validation under 15 USC ****g Sec. 809(b).
  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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
  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.