The Bureaus
Reviews and Complaints

I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate: THE BUREAUS INC Original Creditor: CAPITAL ONE BANK Account #: 41597*** What procedures does your business have in place to investigate accounts? Can you grant me a copy of those procedures? Second, what paperwork are you judging your verification off? Please send that to me also. Any and all others are inaccurate and/or outdated and must deleted immediately from my credit report. I am sure you are aware that the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I demand these accounts to be removed from all current and future credit reports.

I have contacted the Bureaus via the contact me section on their website in regards to two accounts appearing on my credit report from them. They prompted me to contact them via email. I sent them an email requesting how I could register online to view these accounts they had listed on my credit report. They sent an email back requesting my social security number. I explained to them that I just needed help registering for their website so I could view the accounts. They continued to ask me for my personal information. I called and spoke to someone who could not give me any information on how I could see these accounts that were listed on my credit report. The only information I received from them was them stating they only had one account for me and wanted to know how I would like to take care of the account. I asked what their options were and was told I needed to tell them what I would be doing. I again asked for options from them to take care these unknown accounts. No help.

This company was handling a collection account from Comenity Capital Bank. This account was paid however, they refuse to update the credit bureaus and remove the collection account. I was told after 30 days the account would be removed and updated. I raised a dispute 2 times with this company and they have refused to respond correctly. Now I am demanding that the collection account be updated and removed immediately from all 3 credit report agencies. I called the comapny in which the payment was made and they stated they didnt handle the credit reporting part of thecompany and was just a third-party on collections. I have tried calling multiple times but always get redirected back to the third-party company D&A Services LLC. The account was paid on 04/16 however the reporting has yet to be updated to the credit reporting agencies. This account has impacted my employement and i need it removed immediately. I will be force too raise legal actions if this isn't removed immediately.

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The *** which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. I understand that the Office of the Attorney normally provides copies of the complaint forms or information regarding complaints to the business complained about and other private and public agencies. I authorize Complaintsboard.com to give copies or any information on the form to anyone deemed advisable.

You have DEFRAUDED me. It has come to my attention that you received payment on a debt that was canceled however, you are still preceding to collect from me. The notice to the agent is a notice to the principle, and notice to the principle is a notice to the agent. I demand that the following account be removed immediately:THE BUREAUS *** Equifax: 416656***Experian: 416656***Transunion: 416656***Per 15 U.S. Code ***, the finance charge is insurance that protects the lender in the event that the obligor defaults. The payment status of this account is in default, which means you received INSURANCE money! This account was then illegally listed on my consumer report as canceled debt.According to the *** when a creditor cancels a debt, a ***c form must be sent to the obligor or consumer. I never receives my ***c for this canceled debt. Therefore, you are coercing me into paying the balance, which is FRAUD. Since insurance money was collected, the *** identifies canceled debt as income. Income does not get reported on the consumer report and TAX FRAUD has been committed!

this account was opened fraudulently and without my consent it was a matter of unauthorized use pursuant 15 USC ***p- The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. they have used my social security card to open an account under my name without my permission. they are also in violation of 15 usc 1692g.1006 model form B-1 which i never received. this account is reporting false and inaccurate since the definition of a creditor pursuant 1006.2(g) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. THE BUREAUS is a 3rd party collection agency which means they are excluded from being a creditor making this account in violation of 15 USC 1681e(b) accuracy of report. since it is reporting inaccurate by having them as the creditor ACCOUNT:

On January 24, 2022 and February 21, 2022 I wrote to The Bureaus, *** requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g(b). However they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the *** The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt; nor did it contain the accounting ledger in accordance with 15 USC 44. Under the *** it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.

I lost my wallet in the parking deck of the airport years ago. Once i got to the terminal i realized i did not have my wallet which contained my id,social security card passport card, credit cards, bank cards, cash etc. I IMMEDIATELY back traced my steps but when i got to the area where my car was parked, my wallet was gone. When I checked my credit report for the first time on January this year, I discovered that there are accounts there that are not mine, addresses I never resided and inquiries I never made. I have contacted all of the creditors to make them aware of this issue. I also found this account that I believe not mine:Acct name: THE BUREAUS (Original Creditor: 01 COMENITY BANK)acct no. ***date opened 04/01 balance $932.00 I am not liable for this debt and I do not have a contract with:Company: THE BUREAUS Address: *** Tel No: *** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at *** and email at [protected]@icloud.com.I need a response from the company.

I received a notification from The Bureaus *** on 3/19 and as allowed under the Fair Debt Collection Practices Act (FDCPA), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from *** but I am unaware of the amount due and your *** does not include a breakdown of any fees. Please provide a breakdown of fees including any collection costs and charges. Provide a copy of my signature with the provider of service to release my personal information to you. It's a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification email/ request via Complaintsboard.com. If I encounter such behavior, I can file a complaint with the *** Protection Bureau. Please send this information via Complaintsboard.com as my formal debt validation request, which I am allowed under the Fair Debt Collection Practices Act -FDCPA. I request full documentation of what you received from the business of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Additionally, if your company can't provide me with verification of a debt, it legally can't continue to try to collect from me. Your company must also ask the credit bureaus to remove any negative reports related to the collection if you cannot provide verification of debt.

This company has been holding my bike title hostage for almost two full years now. I had a motorcycle lease through Capital One back in 2015. By 2018, Capital One sold the account to this debt collection company, Bureaus Investment Group LLC. At the time I was starting a business, and fell behind on payment. Some time during the Summer of 2018 I paid off the debt in full to Bureaus Investment Group LLC. When this transaction occured, I was told that: 1. DMV would possibly send me the title, 2. B.I.G. LLC would be sending my a satisfaction of payment document 3. B.I.G. LLC would send Capital One a lien release so I could obtain my title. I waited an entire year, and never received any documents to put the title rightfully in my name. In 2019 I was able to track down the collectors, B.I.G. LLC, and requested my title be sent to me with satisfaction of payment. Never heard a single thing back, or received any documents in the mail. It is now June . I have spent weeks going back and forth with Capital One on the hold up. They told me the fault lies with B.I.G. LLC. I finally got a hold of them and they were supposed to certify mail my documents on June 5th. I was told I could call in to get a tracking number. I have not recieved any of my documents via mail. It is also impossible to get a hold of them. Any time I call, I get directed straight to a voicemail, and no one has returned any of my calls. This company is illegally witholding my bike title, something that I paid of two years ago, and is rightfully mine. Because of their negligence, Capital One still holds a lien on my bike, and I am not at liberty to sell the bike or do anything as the rightful owner.

I am filing a formal complaint against THE BUREAUS, a company that has consistently violated my consumer rights as protected by the Fair Credit Reporting Act, causing significant financial and mental distress. They have inaccurately reported an unverifiable account on my credit report, which I have disputed and requested proof for without success. Despite numerous attempts to rectify this issue, my communications and legal notices have been disregarded by THE BUREAUS. The company's disregard for legal and ethical standards has not only damaged my creditworthiness and interest rates but also my professional reputation. I urge immediate action against their malpractices. Many complaints have been lodged against them, yet they continue operating. I request your assistance in ending their unethical operations. The false information they report is detrimental to my credit and professional standing, and as they cannot substantiate their claims, I demand the immediate removal of these errors from my credit file.

On 3/18/22 I sent a formal request via certified mail to The Bureaus *** regarding a collection account they are reporting under my social security number.I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local *** laws. as well as competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them.They are also in violation of the *** DEBT COLLECTION ACT, .GENERAL STATUTE.CODE 58/70 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in *** unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The *** DEBT COLLECTION ACT (NCDCA) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. . GENERAL.STATUTE. CODE 58.70-15(b). Furthermore, . GENERAL.STATUTE.58/70 states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony.As of today 4/14/22 they are in violation of *** DEBT COLLECTION ACT, . GENERAL.STATUTE.CODE 58/70 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. To my knowledge, The Bureaus *** DOES NOT have a surety bond on file with the *** Office of the Secretary of State, and are continuing to violate *** State Laws as well as Federal Debt Collection Laws. Due to this violation, any negative tradelines on my credit report must be removed.

On November 1st, I wrote to The Bureaus *** disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail *** tracking number ***) and it was delivered on the 10th of November . In the letter, I also requested the company to Cease and Desist from reporting this debt to any *** On November 20th, I received a letter back from The Bureaus ***, stating that they had received my letter requesting debt validation and they provided a summary of the debt and attached credit card statements showing purchase (what happened to privacy?). On December 6th, I responded back to The Bureaus ***, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail *** tracking number ***) and a return receipt was also included. I received a return receipt signed that The Bureaus *** received my letter on the 16th of December . As of today, January 14th, I have not heard back from The Bureaus ***, and they are still reporting the collection account on my Credit Report. How am I supposed to pay an account that cannot be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. I need your help resolving this as I'm not getting anywhere with this company.