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:11/13/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******************* Of *****. Additionally, I do not have a contract with The Bureaus, they did not furnish the original contract as requested.

  

  Business Response

  Date: 11/15/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a First ************* of ***** account opened on 11/06/2015.The last purchase on the account was in the amount of $0.00 on 10/04/2018. The last payment on the account was in the amount of $35.00 on 03/29/2019 the account charged off on 11/29/2019 in the amount of $1,474.93.
  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 First ************* of *****. The documents include the card member agreement, billing statements and a letter from First ************* of *****  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.
  According to 15 U.S. Code ****g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). Our investigation found the information you disputed to be accurate.We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:11/09/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *********** N.A. I do not have a contract with THE BUREAUS **** they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 11/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ N.A. account opened on 09/07/2016.The last purchase on the account was in the amount of $20.00 on 03/13/2017. The last payment on the account was in the amount of $56.00 on 03/04/2017 the account charged off on 10/25/2017 in the amount of $703.01.
  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 ************ N.A.. The documents include the card member agreement, billing statements and a letter from ************ N.A.  informing ***************************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:11/08/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 11/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 06/15/2018.The last purchase on the account was in the amount of $43.80 on 06/20/2018. The account charged off on 01/31/2019 in the amount of $749.67.
  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.

  Customer Answer

  Date: 11/09/2023

   
  Complaint: 20842979
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  Customer Answer

  Date: 11/09/2023

  The account is not mine. 

  

  Business Response

  Date: 11/09/2023

  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  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 have attached a fraud affidavit. Upon completion of this document, you will need to have your signature notarized and return it to my office. In addition, we 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. In lieu of the 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,***. also expressly reserves all of its rights and defense.

  Customer Answer

  Date: 11/09/2023

   
  Complaint: 20842979
  
  I am rejecting this response because:
  I have no contract with The Bureaus ***** and I am not liable for the debt. 
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 11/10/2023

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

  Customer Answer

  Date: 11/13/2023

   
  Complaint: 20842979
  
  I am rejecting this response because:

  I am not liable for this debt.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 11/13/2023

  The information we previously 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). We sent all validation information available for you to review as well as an Affidavit of Forgery Packet for you to complete and return. We have not received the completed Affidavit of Forgery Packet. At this time, we 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. This communication is from a debt collector. 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: 11/13/2023

   
  Complaint: 20842979
  
  I am rejecting this response because:

  I am not liable for this debt. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:11/07/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with THE BUREAUS, I do not have have a contract with THE BUREAUS, they did not provide me with the original contract as I requested

  

  Business Response

  Date: 11/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 12/21/2018.The last purchase on the account was in the amount of $500.00 on 12/21/2018. The last payment on the account was in the amount of $33.00 on 09/03/2019 the account charged off on 04/30/2020 in the amount of $828.68.
  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:11/07/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 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: 11/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 06/10/2016.The last purchase on the account was in the amount of $20.00 on 06/18/2018. The last payment on the account was in the amount of $10.00 on 06/19/2019 the account charged off on 07/08/2019 in the amount of $638.11.
  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:11/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On October 20, 2023 The Bureaus received my certified letter requesting validation of the following accounts: Account Name # ***** COMENITY BANK I have sent multiple letters and I only received copies of some billing statement, no contract or valid proof that this debt is mine: September 10, 2021; November 3, 2021, November 9, 2021, December 8, 2021 and 07/01/2023 They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my ***************** , the debt collection agency has thirty (30) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or "validate," any debt on which they are attempting to collect payment. Regulations requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety Bond information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports.As of 11/06/2023 this is*** has resolved. Under state and federal law I could *** them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community.If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.Copies of statements or bills are not proper validation nor confirms that agencies has rights to collect on the alleged debt. You need to respond demanding proper validation, be sure to cross reference the date their response was dated and include a copy of your original request. This follow up letter should be send certified and only provide them with a 15 day deadline to respond.***************************** *****************************************************************************************************************

  

  Business Response

  Date: 11/15/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 10/20/2018.The last payment on the account was in the amount of $100.00 on 02/22/2019 the account charged off on 10/31/2019 in the amount of $728.59.

  
  Our records indicate the account has not been reported by The Bureaus *** to the credit reporting agencies for over 2 years.  Additionally, the account is no longer owned by Bureaus **************** Portfolio No. 15, LLC.It was returned to ************* in June 2023 and closed in our office.

  
  We hope this answers your questions regarding this debt,however if you still require additional information, please feel free to contact us. 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: 11/20/2023

   
  Complaint: 20825171
  
  I am rejecting this response because: This account is still reporting as owed on ALL three credit agencies still as of today. Please delete this account as there has been no valid verification of this account being mine. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 11/21/2023

  Our records indicate the account has not been reported by The Bureaus *** to the credit reporting agencies for over 2 years. 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: 11/27/2023

   
  Complaint: 20825171
  
  I am rejecting this response because: ************ is and has been reporting to all 3 credit agencies over the past 3 years the lastest report from Tranunion is 11/14/2023. I am requesting this erroneous information be deleted from all three credit reports. Thank you
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 11/30/2023

  Thank you for providing additional information regarding the account information reported. We were able to use the information provided to locate the account.
  ********************, *** 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 12/22/2018.The last purchase on the account was in the amount of $27.40 on 12/23/2018. The last payment on the account was in the amount of $60.00 on 03/15/2019 the account charged off on 10/31/2019 in the amount of $359.97.
  Attached to this response are the supporting documents 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.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as 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 previously mailed the required validation information on 9/17/2021,6/16/2023, and 10/20/2023 to *********************************************************************************************************
  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.
  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: 12/05/2023

   
  Complaint: 20825171
  
  I am rejecting the debit I was never sent me anything by mail, email etc. to give me the chance to verify(challenge) the debt was even valid. In addition there are two completely different addresses on these alleged billing states and the letter dated 11/15/2019. You have not supplied a signed application with my signature stating I am requesting or applying for credit.. Thirdly, who is this ********************* name on i assume what is supposed to be an application??? Their name ssn, dob is on here?  This is ridiculous and stalling tactics delete this erroneous errors Of all 3 credit agency's expeditiously

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

• Initial Complaint

  Date:11/03/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is a formal complaint against THE BUREAUS located in **********, **. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, TRANSUNION, EXPERIAN AND EQUIFAX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, THE BUREAUS has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this

  

  Business Response

  Date: 11/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** ************* account opened on 06/23/2018.The last purchase on the account was in the amount of $55.94 on 07/11/2019. The last payment on the account was in the amount of $27.00 on 10/04/2019 the account charged off on 05/30/2020 in the amount of $472.50.
  Our records do not indicate we ever received a request for a proof of claim.
  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. A proof of claim is not required validation information, however the letter from *********** does confirm that the balance is now owed to Bureaus **************** Portfolio No,15, LLC.
  According to 15 U.S. Code ****g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). 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:11/03/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 11/08/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 09/16/2017.The last purchase on the account was in the amount of $51.91 on 05/11/2019. The last payment on the account was in the amount of $98.00 on 04/05/2019 the account charged off on 11/30/2019 in the amount of $867.62.
  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:10/31/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 11/02/2023

  Please accept this as our response to the complaint of ****************************** of *****, **. File number *********, original account number ****************, was originally a ************ ******************** account opened on 08/01/2015.The last purchase on the account was in the amount of $7.61 on 08/03/2019. The last payment on the account was in the amount of $40.00 on 08/01/2019 the account charged off on 03/24/2020 in the amount of $979.39.
  File number *********, original account number ****************,  was originally a ************ ******************** account opened on 04/05/2018.The last purchase on the account was in the amount of $644.09 on 08/31/2018. The last payment on the account was in the amount of $99.00 on 12/17/2019 the account charged off on 05/30/2020 in the amount of $1,279.40.
  Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreements, billing statements and  letters from ************ ******************** informing *******  ******  that the accounts were sold to BUREAUS 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:10/30/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with THE BUREAUS, **** I do not have a contract with THE BUREAUS, Inc. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 10/31/2023

  This complain is because I do not recognize the account and have no knowledge of it. 
  I do not have any contracts with the Bureaus **** and I need to have that account removed from my credit. 

  

  Business Response

  Date: 10/31/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 12/12/2017.The last purchase on the account was in the amount of $60.50 on 03/12/2019. The last payment on the account was in the amount of $28.00 on 04/11/2019 the account charged off on 11/30/2019 in the amount of $770.50.
  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.