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:02/06/2024

  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 writing to dispute the account associated with account number ********* that ********************** has reported to the credit bureau under my name, ****************************. I had no knowledge of this account prior to discovering it on my credit report. In addition, I do not believe the debt collector has the legal standing to collect from me in the first place. Despite my request for debt verification under the ***** Finance Code, I did not receive a response within the mandated 30-day period, causing statutory and actual damages, particularly due to continued collection activity.

  

  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 04/04/2019.The last purchase on the account was in the amount of $53.60 on 04/04/2019. The last payment on the account was in the amount of $100.00 on 10/31/2019 the account charged off on 06/30/2020 in the amount of $529.51.
  Our records indicate we received correspondence disputing the account on 10/27/2023 and sent validation information 10/30/2023 to the same address provided in the complaint. A copy of the information sent on 10/30/2023 is attached.  The documents were provided to us by *********************. The documents include the application,card member agreement, billing statements and a letter from ********************* informing *****  *******  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  Our investigation found the information you disputed to be accurate. The address on the application was ******************************************************************************, and is the same address the billing statements were sent to. Payments were made until 10/31/2019.
  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:02/04/2024

  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 COMENITY BANK. I do not have a contract with THE BUREAUS **** they did not provide me with the original contract as 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 06/20/2015.The last purchase on the account was in the amount of $497.55 on 10/05/2018. The last payment on the account was in the amount of $65.00 on 04/03/2019. The account charged off on 03/31/2020 in the amount of $2,129.09.
  Our records indicate the account was placed with our service provider on January 11, ****, at which time they sent an initial letter to *********************. The consumers complaint with the BBB against our servicer provider was the first notice of dispute or request for validation received. The dispute and request for validation was escalated to our office for further review. Our service provider responded to the BBB and mailed validation documents we provided to the address on file.
  Attached to this response are the same supporting documents provided to us by *************. The documents include the card member agreement, billing statements and a letter from *************  informing Nneoma  ****  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). Our investigation found the information you disputed to be accurate. We hope this answers your questions regarding this debt,however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:02/04/2024

  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 the 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: 02/13/2024

  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 04/03/2017. The last purchase on the account was in the amount of $27.24 on 04/03/2017. The last payment on the account was in the amount of $14.00 on 04/02/2019 the account charged off on 09/30/2019 in the amount of $383.97.
  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 Monifah  *******  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 ****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:01/31/2024

  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 I requested.

  Customer Answer

  Date: 02/02/2024

  I do not have a contractual agreement with The bureaus **** Delete from credit report

  

  Business Response

  Date: 02/12/2024

  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 01/16/2022.The last purchase on the account was in the amount of $98.63 on 04/14/2022. The last payment on the account was in the amount of $29.00 on 03/09/2023 the account charged off on 08/16/2023 in the amount of $487.45.
  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 Miracle  Lilly  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.
  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:01/31/2024

  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 writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC **** Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC **** Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report originating from World Finance, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Number: ***** I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.Sincerely,***********************************

  

  Business Response

  Date: 02/12/2024

  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 ************ N.A. account opened on 10/03/2016.The last purchase on the account was in the amount of $9.16 on 10/20/2017. The last payment on the account was in the amount of $25.00 on 09/20/2017 the account charged off on 04/25/2018 in the amount of $656.87.
  Upon receipt of your claim of fraud specific to the account identified above, we sent all validation information available for you to review as well as an Affidavit of Forgery Packet for you to complete and return. The information is attached here as well. The documents provided to us by ************ N.A.. included the card member agreement,billing statements and a letter from ************ N.A.  informing *********  ********  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The Credit Reports section of the Cardmember Agreement states We *** report information about your Account to credit ********************** and others. Late payments, missed payments, or other defaults on your Account *** be reflected in your credit report. Information we provide *** appear on your and the Authorized Users credit reports.
  Upon further review of your account, we have not received the completed Affidavit of Forgery Packet. At this time, we are unable to complete our investigation and must deny your claim of fraud. If further documentation is received by our office to support the prior claim, the investigation will be reopened. Until such time, this matter is considered closed. If you have further questions and/or concerns about this matter, please contact us for clarification.
  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 *** 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:01/31/2024

  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 want to assert that I am not liable for the debt that is linked to THE BUREAUS **** as there has been no contractual agreement between us. It is essential to emphasize that I have not willingly entered into any financial obligations with them. Furthermore, in my effort to address this issue appropriately and transparently, I made a formal request to *********** NATIONAL ASSOCIAT for the provision of the original contract relevant to this particular debt. Regrettably, despite this request, they have not fulfilled my inquiry by providing the requested documentation. This lack of transparency and cooperation from *********** NATIONAL ASSOCIAT has added to the complexity of the situation, making it necessary for me to seek further assistance and clarification to resolve this matter effectively.========================================================THE BUREAUS *** 416923XXX opened on May 15,2023 Higher credit $3,779,

  

  Business Response

  Date: 02/02/2024

  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 04/06/2022.The last purchase on the account was in the amount of $118.85 on 10/02/2022. The last payment on the account was in the amount of $2,000.00 on 02/27/2023 the account charged off on 04/26/2023 in the amount of $3,779.47.
  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 BOPEEP  ********  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b).We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:01/28/2024

  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 08 ************* Delaware. I do not have a contract with **************** They did not provide me with the original contract as requested.

  

  Business Response

  Date: 01/29/2024

  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 04/04/2017.The last purchase on the account was in the amount of $1,242.95 on 12/11/2018. The last payment on the account was in the amount of $200.00 on 05/02/2019 the account charged off on 12/31/2019 in the amount of $1,117.78.
  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 ********************** **************** Portfolio No 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec. 809(b). We hope this answers your questions regarding this debt,however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies.The Bureaus, Inc. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:01/28/2024

  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 , The Bureaus ***********************************************************-2757,I do not have a contract with The Bureaus. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 01/29/2024

  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 09/28/2018.The last purchase on the account was in the amount of $147.50 on 01/09/2020. The last payment on the account was in the amount of $272.12 on 06/27/2019 the account charged off on 08/31/2020 in the amount of $455.85.
  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 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:01/28/2024

  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 *************** nation.i do not have a contract with The Bureaus **** they did not provide me with original contract as I requested

  

  Business Response

  Date: 01/29/2024

  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 07/04/2018.The last purchase on the account was in the amount of $247.20 on 07/14/2018. The last payment on the account was in the amount of $80.00 on 10/01/2018 the account charged off on 05/04/2019 in the amount of $458.13.
  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 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:01/21/2024

  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 ******************** 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: 01/23/2024

  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 04/15/2018.The last purchase on the account was in the amount of $40.00 on 03/04/2019. The last payment on the account was in the amount of $206.00 on 01/15/2019 the account charged off on 09/14/2019 in the amount of $484.49.
  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 V  Le Hao ********** account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec. 809(b).We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.