Initial Business Response / [redacted] (1000, 5, 2014/07/15) */ We have investigated this matter and it appears that Mr [redacted] 's records may be incompleteWe have responded to his request for validation on two occasions, as evidenced in the attachmentsAs Mr [redacted] may or may not be aware what the standard is that federal law requires which we have satisfied on both occasionsWe are providing the Revdex.com the same information that we have previously provided Mr [redacted] and you will agree that what we have provided will satisfy the legal requirementIf you have any additional question please feel free to contact me directlyThank you Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/07/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) That's a really nice billHowever, it does NOT comply with the validation lawsThe amount on the bill does not even match what they are reporting on my credit reportIt does NOT establish any right to collect or ownership of The Bureaus Inc 1) They have to prove that we have agreed to do business together (contract) (UCC 3501);( Prove at least the basic elements (Offer; Acceptance; 3.Consideration (equal risk and financial consideration); Meeting of the minds (full disclosure)) 2) They have to give a full accountingEvery charge and what was purchased, fee, payment, credit, interest, how they calculate what they claim is owed from origination to present [redacted] v [redacted] Law Firm; [redacted] v [redacted] Financial Services) 3) Copy of the assignment or purchase from the OC; (UCC 3-which requires them to prove ownership of the note or authorization to demand payment) 4) Full chain of assignments from charge off to present; 5) Prove they own the alleged debt/account with full clear title; (UCC 9-requires proof of assignment or assignments necessary to show title) 6) Proof they were on the original contract between you and the original creditor (Am Jur sect93) & [redacted] v [redacted] Corporation) 7) FCRA Sect(o)(5)(A)(i) have to have consumer's authorization to furnish information on a credit bureau 8) verification must be an affidavit from the Original Creditor, not just some claim that it was investigated They are breaking Federal LawTherefore, they deserve an "F" rating by the Revdex.com, if the Revdex.com is a legitimate source of informationHave The Bureaus not just furnish an invoice but the above informationThey won't because they don't have itThe company listed on the invoice isn't on my credit, but The Bureaus are and that is who I'm going afterWho are they????? Why should I pay them???? Final Business Response / [redacted] (4000, 11, 2014/08/11) */ We respectfully disagreeWe have complied with Federal law based on [redacted] v [redacted] the Fourth Circuit Court of Appeals adopted the standard: "Verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt." We feel we have complied with FDCPA based on the standard aboveThank you
Initial Business Response / [redacted] (1000, 5, 2014/11/25) */ After investigating this matter it appears that this account was previously validated accordinglyThe account has been updated as "disputed" on the consumer's credit fileWe are willing to send copies of the previous documents that we have in our possessionSince the consumer is represented by counsel we ask that they forward that information to us so we may communicate with themThank you Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/11/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) Then send me this info to my home address so I can pass it on to my lawyer..thanks
Mr [redacted] has been communicating with our office directly in attempts to resolve this complaint His account was finally identified and office has been corresponding with him
Please accept this as our response to Mr [redacted] inquiry We would first like to thank Mr [redacted] for serving our country with the Marines We would also like to apologize for any confusion the consumer may have related to our obligations on debt validation After reviewing our records, we show that a validation letter was sent to the consumer in June upon his initial request However, in efforts to avoid any future confusion we are attaching the letter that was sent in June as well as billing statements and a copy of the application We hope that these documents provide the information needed to resolve this account We believe that we have worked in good faith and believe that we have not done any wrongdoing related to the collection of this account
Refused to remove paid collection off my credit report as promised, despite multiple calls and being assured it would be removedManipulative and deceptive
Initial Business Response / [redacted] (1000, 5, 2014/07/15) */ We have investigated this matter and it appears that Mr [redacted] 's records may be incompleteWe have responded to his request for validation on two occasions, as evidenced in the attachmentsAs Mr [redacted] may or may not be aware what the standard is that federal law requires which we have satisfied on both occasionsWe are providing the Revdex.com the same information that we have previously provided Mr [redacted] and you will agree that what we have provided will satisfy the legal requirementIf you have any additional question please feel free to contact me directlyThank you Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/07/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) That's a really nice billHowever, it does NOT comply with the validation lawsThe amount on the bill does not even match what they are reporting on my credit reportIt does NOT establish any right to collect or ownership of The Bureaus Inc 1) They have to prove that we have agreed to do business together (contract) (UCC 3501);( Prove at least the basic elements (Offer; Acceptance; 3.Consideration (equal risk and financial consideration); Meeting of the minds (full disclosure)) 2) They have to give a full accountingEvery charge and what was purchased, fee, payment, credit, interest, how they calculate what they claim is owed from origination to present [redacted] v [redacted] Law Firm; [redacted] v [redacted] Financial Services) 3) Copy of the assignment or purchase from the OC; (UCC 3-which requires them to prove ownership of the note or authorization to demand payment) 4) Full chain of assignments from charge off to present; 5) Prove they own the alleged debt/account with full clear title; (UCC 9-requires proof of assignment or assignments necessary to show title) 6) Proof they were on the original contract between you and the original creditor (Am Jur sect93) & [redacted] v [redacted] Corporation) 7) FCRA Sect(o)(5)(A)(i) have to have consumer's authorization to furnish information on a credit bureau 8) verification must be an affidavit from the Original Creditor, not just some claim that it was investigated They are breaking Federal LawTherefore, they deserve an "F" rating by the Revdex.com, if the Revdex.com is a legitimate source of informationHave The Bureaus not just furnish an invoice but the above informationThey won't because they don't have itThe company listed on the invoice isn't on my credit, but The Bureaus are and that is who I'm going afterWho are they????? Why should I pay them???? Final Business Response / [redacted] (4000, 11, 2014/08/11) */ We respectfully disagreeWe have complied with Federal law based on [redacted] v [redacted] the Fourth Circuit Court of Appeals adopted the standard: "Verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt." We feel we have complied with FDCPA based on the standard aboveThank you
Initial Business Response / [redacted] (1000, 5, 2014/11/25) */ After investigating this matter it appears that this account was previously validated accordinglyThe account has been updated as "disputed" on the consumer's credit fileWe are willing to send copies of the previous documents that we have in our possessionSince the consumer is represented by counsel we ask that they forward that information to us so we may communicate with themThank you Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/11/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) Then send me this info to my home address so I can pass it on to my lawyer..thanks
Mr [redacted] has been communicating with our office directly in attempts to resolve this complaint His account was finally identified and office has been corresponding with him
Please accept this as our response to Mr [redacted] inquiry We would first like to thank Mr [redacted] for serving our country with the Marines We would also like to apologize for any confusion the consumer may have related to our obligations on debt validation After reviewing our records, we show that a validation letter was sent to the consumer in June upon his initial request However, in efforts to avoid any future confusion we are attaching the letter that was sent in June as well as billing statements and a copy of the application We hope that these documents provide the information needed to resolve this account We believe that we have worked in good faith and believe that we have not done any wrongdoing related to the collection of this account
Refused to remove paid collection off my credit report as promised, despite multiple calls and being assured it would be removedManipulative and deceptive