Credit Bureau Services Association

Complaint: ***
I am rejecting this response because: I am sorry but if you don't have a legal signed contact with me which you oviously do not, I am not obligated to pay you anythingI demand you to cease collection on behalf this account and remove it from my credit file due to NO CONTACT between us
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:I am disputing their response on lactose of verification upon proving that this collection account belongs to meI have never been billed for this medical before and it had not shown up on my credit report until recentlyI have had no medical doneWas never contacted about such a bill, notified, nor made aware that this bill even exsistTherefore this needs to be removed from my credit immediately, just as it didn't exsist before nowUnder Fair credit Regulations if a company does not notify the consumer or validate the collection , it is illegal to place on one's credit as well as double bill anyone which would be double jeopardy, if what the company is stating may have happened on their partAll of these reason are grounds for removal immediately
Sincerely,
*** ***

The consumer in question owes our client money for services and goods.  Federal law dictates the submission of data to the reporting entities which havetotally complied with in fact and spirit.  The consumer in question has been provided data in a timely manner when the complaints were...

launched.The acquisition in your complaint are essentially that our firm has illegally acted which is completely and totally false....

The consumer's response that there was no signed contract may or may not be true, but the obligation of debt is not contingent upon a signed contract.

[redacted] has had one account referred to the credit reporting companies by our firm.Other accounts referred to the reporting agencies by other firms may well have happenedregarding what [redacted] believes was one transaction versus the reality that there werein fact multiple transaction by multiple...

providers.  (A medical operation may result in multiplebillings from the hospital, the surgeon, the radiologist, etc. etc.)