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:02/18/2024

  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 have a contract with THE BUREAUS **** they did not provide me with the original contract.

• Initial Complaint

  Date:02/17/2024

  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 Have A Contract With THE BUREAUS **** They Did Not Provide Me With The Original Contract As I Requested. Ive Never Even Heard Of Them

• Initial Complaint

  Date:02/13/2024

  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'm not liable on 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: 02/19/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 12/15/2017.The last purchase on the account was in the amount of $59.76 on 01/14/2019. The last payment on the account was in the amount of $60.00 on 07/19/2019 the account charged off on 02/29/2020 in the amount of $908.27.
  Our records do not indicate we ever received a request for an original contract.
  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 credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:02/13/2024

  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 account # *****open- 2-19-20 **** ********

  

  Business Response

  Date: 02/19/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 11/26/2018.The last purchase on the account was in the amount of $275.60 on 07/05/2019. The last payment on the account was in the amount of $77.00 on 05/23/2019 the account charged off on 01/31/2020 in the amount of $1,256.89.
  Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ********************  informing ******  ******  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec. 809(b).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.
  We received your identity theft report from the credit reporting agencies on February 15, 2023. We forwarded the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:02/12/2024

  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.

  All 3 credit reporting agencies and ***************** Government advises consumers seeking to pay debt collectors for the debt to get the payment agreement in writing, including any verbal agreements made regarding removal of the collections account from the consumers credit report. In fact, consumers are told to *not* make any payments to collections agencies unless they can provide you this information in writing *first.*I called The Bureaus today to pay my debt in full with them. And when I requested that I receive in writing all the promises they were making to me verbally, they refused. I informed them of the advice given by all 3 credit reporting agencies and the government (not to mention every consumer protection group). I also suggested that perhaps if they arent willing to put what they are verbally telling me in writing, that I cannot trust what they are verbally telling me. I then began recording the phone call. The manager I spoke to was belittling and rude. I WANT to pay the debt. But how am I supposed to if they cant put the payment and credit reporting agreement in writing? What if I pay, and they dont abide by anything they promised verbally? It seems that a business who wont put in writing their verbal promises arent ethical.

  

  Business Response

  Date: 02/19/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************.
  ********************** abides by all local, state and federal laws regulating our business.  We established our policies and procedures to exceed the minimum requirements established by these laws.  The Bureaus,*** has an internal compliance program in order to ensure observance of these policies and procedures. Part of that compliance program requires our letter templates are reviewed and approved by attorneys. We do not alter or change the language our attorneys approved to be sent on letters.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681,U.S. ****************** legislation enacted to promote the accuracy, fairness,and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  When a service provider notifies us an account we placed with their office for collection has been satisfied, we update the status in our collection software system, and within 60 days The Bureaus, Inc. sends an electronic request to the ************************* to delete the Collection Account from the consumers credit report. We do not have access to make changes to consumer credit reports. We only can submit requests to the *************************.
  Professional conduct by our employees is of the utmost importance. We are committed to superior service.  We appreciate the complaint bringing this issue to our attention.  We will conduct an investigation to determine if there has been a violation our policies or standards.
  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:02/11/2024

  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 contract as I requested.

  

  Business Response

  Date: 02/15/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 02/22/2017.The last purchase on the account was in the amount of $10.96 on 12/05/2018. The last payment on the account was in the amount of $25.00 on 11/13/2018 the account charged off on 06/17/2019 in the amount of $502.17.
  Our records do not indicate we ever received a request for an original contract.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.
  We did receive a request for validation 10/27/2021 and we sent the validation information to the address on file the same day. Attached to this response are the same validation documents provided to us by **************** ****** ********************. The documents include the card member agreement, billing statements and a letter from **************** ****** ********************  informing *************************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  According to 15 U.S. Code 1692g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec. 809(b).We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:02/11/2024

  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 *********** NATIONAL ASSOCIAT and I do not have a contract with THE BUREAUS plus they did not provide me with the original application like I asked.Account No: *********Amount Disputed: $428

  

  Business Response

  Date: 02/15/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 08/03/2019.The last purchase on the account was in the amount of $27.72 on 03/30/2022. The last payment on the account was in the amount of $34.00 on 11/09/2022 the account charged off on 05/20/2023 in the amount of $427.77.
  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 ********************** **************** Portfolio No 15 LLC.
  Our records do not indicate we ever received a request for an original contract. 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 1692g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:02/08/2024

  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 responsible for the debt with The bureaus,Inc as I do not have a contract or any form of agreement with them. They have not provide me with the original contract, in addition I question the licensing of this company to collect debts in ********.

  

  Business Response

  Date: 02/14/2024

  Please accept this as our response to the inquiry filed by  *****************************. The Bureaus, *** is a debt collector, ************* ********************** License Number **************, a copy of which is attached.  File number *********, original account number **************** was originally a ********************* account opened on 12/11/2018.The last purchase on the account was in the amount of $1,800.00 on 12/11/2018. The last payment on the account was in the amount of $100.00 on 03/27/2019 the account charged off on 11/30/2019 in the amount of $1,826.88.
  Our records indicate we sent validation information for this account to the address listed in the complaint on 11/10/2023. The validation documents previously sent and attached to this response were provided to us by *********************. The documents include the card member agreement, billing statements and a letter from *********************  informing Kawand  ********  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.

  Customer Answer

  Date: 02/21/2024

  I dont agree with this response because ********************* does not appear on my credit report, and I have no knowledge of engaging in business with them. Additionally, I am unaware of any correspondence from ********************* regarding the transfer of debt to BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC. I am confused about how we reached this point, especially since theres no original agreement with my wet signature or purchasing agreement provided between ********************* and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC. I suspect identity theft & Ive reported it to the ************************* Despite your reply I still lack clarity on this matter & its frustrating. I reiterate my request that you please cease reporting to my credit file, Thank you for your attention.
  

  

  Business Response

  Date: 02/21/2024

  The Bureaus,*** is a debt collector, ************* ********************** License Number ***********, a copy of which was provided with the previous response.  
  File number *********, original account number **************** was originally a LENDING CLUB PATIENT SOLUTIONS account underwritten by ********************** The account was opened on 12/11/2018. The only purchase on the account was in the amount of $1,800.00 on 12/11/2018. The description of the transaction states LawrenceWeiss South Ozone Park.
  The first payment in the amount of $226.00 was made on 2/27/2019. The last payment on the account was in the amount of $100.00 on 03/27/2019 the account charged off on 11/30/2019 in the amount of $1,826.88.  
  The federal debt collection rule requires debt collectors to provide consumers with certain information about their debt, known as validation information. An original contract with wet ink signature or purchasing agreement are not required validation information.
  Our records indicate we sent validation information for this account on 11/10/2023 to the same address provided in the complaint. We also attached the information to the previous complaint response. The validation documents we have repeatedly sent were provided to us by ********************** The documents are attached again to this response.
  The required documents provided multiple times include the card member agreement, billing statements and a letter from **************** Bank  informing Kawand  ********  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC. All of the information provided was also mailed to the same address listed in the complaint at the time the account was active. And the documents were received at that address because two payments were made on the account prior to charge-off.
  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.
  **************** Bank does not appear on your credit report because the account was sold to ********************** **************** Portfolio No. 15, LLC, as stated in the letter mailed to the address of the complaint, and also attached to the previous response.
  Because you indicate that you believe the account to be the result of identity theft, we have attached a fraud affidavit. If you believe this account was opened using your address and personal information by someone other than yourself, we require 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. ****, 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: 02/21/2024

   
  Complaint: 21263380
  
  I am rejecting this response because:

  These companies are not appearing on my credit report & once again the information provided does not align, I have attached the theft report for your reference. Also according to NMLS consumer access your company is not licensed in ********, could you please clarify this matter & provide actual proof youre legally collecting this debt ** once again Im still confused on this whole ordeal, Thank you again for your time and cooperation.
  

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

  

  Business Response

  Date: 02/22/2024

  Thank you for attaching the identity theft report. We will forward the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  As previously stated, original account number **************** was originally a ************ Patient Solutions account underwritten by ********************* for a transaction at LawrenceWeiss South Ozone Park.
  ********************* does not appear on your credit report because the account was sold to ********************** **************** Portfolio No. 15, LLC, as stated in the letter mailed to the address listed on the complaint, and also attached to the previous response.
  ************** does not require a debt collection license. Additionally, many states and other jurisdictions manage licenses as well as filings, reports and other requirements using systems other than NMLS.
  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: 02/22/2024

   
  Complaint: 21263380
  
  I am rejecting this response because: your company fail to properly investigate this matter, im demanding all information be deleted from my file in connection to this debt this is considered harassment there is no need for reinvestigating when you fail to investigate this matter when you inquired  this information as well as when i disputed this information so do not contact any 3rd parties as i stated in my previous 2 letters contacting any 3 parties will directly violate my rights as a consumer, Im  demanding the immediate deletion of this information as well as all of my information from your companies data base 

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

• Initial Complaint

  Date:02/07/2024

  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 *********** National Associat, I do not have a contract with The Bureaus **** they did not provide me the original contract as i requested.

  

  Business Response

  Date: 02/13/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 02/04/2016.The last purchase on the account was in the amount of $9.60 on 01/27/2019. The last payment on the account was in the amount of $110.00 on 04/18/2019 the account charged off on 11/22/2019 in the amount of $396.54.
  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 Daynel  ********  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  Our records do not indicate we ever received a request for an original contract. 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 1692g Sec.809(b). Our investigation found the information you disputed to be accurate.We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:02/06/2024

  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 am not liable for this debt with 01 COMENITY CAPITAL 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: 02/13/2024

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 11/28/2019.The last purchase on the account was in the amount of $184.03 on 12/24/2019. The last payment on the account was in the amount of $0.00 on  the account charged off on 07/31/2020 in the amount of $691.32.
  Our records do not indicate we ever received a request for an original contract. 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.
  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 1692g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC 1692g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.