Current Alerts For This Business
Pattern of Complaint:
BBB files indicate that this business has a pattern of complaints. On 6/20/2023, BBB submitted a written request to the company encouraging them to address the pattern of complaints. As of 7/5/2023, BBB has received a sufficient response from the business who is actively working on the patterns below with the actions included.
- Consumers allege that debt does not belong to them or does not exist and is found on their credit report
- The Bureaus, Inc has detailed policies and procedure regarding disputes that covers consumer complaints alleging the account does not belong to them. Information about this process is included in the initial letter we send to the consumer. When we receive notice from a consumer that the account does not belong to them, we update our records, and the account is marked to request the credit reporting agencies update the account as disputed on the consumer’s credit report. We provide the consumer with account documentation so that they can determine if the account is their account, if the account belongs to a different person, or if the account is a result of fraud. Often, the consumer reviews the account information and realizes that it is in fact their account. Sometimes, the consumer reviews the account information and confirms that the account is the result of fraud or identity theft. In this situation, The Bureaus, Inc puts the account on hold and sends the consumer the fraud affidavit recommended for use by the Federal Trade Commission. The Bureaus, Inc asks the consumer to complete and return the affidavit with any other relevant documentation (police report, copy of state issued identification with signature, etc.). The Bureaus, Inc reviews all the documentation the consumer provides as part of the fraud investigation. The investigation can include contacting the original creditor, comparing the signatures and information provided at the time the account was opened with the information in the FTC fraud affidavit. We attempt to resolve the consumer’s concerns before the dispute process. As many people have the same name, we have specific identification procedures to ensure that we are contacting the correct person. When we reach a consumer on the phone, The Bureaus, Inc representatives verify two pieces of personal identification information such as the last four digits of a social security number, current address, and/or date of birth. So, if the representative finds that the “John Doe” on the phone has a different social security number or date of birth than the “John Doe” account in our office, the representative updates the contact information relating to the wrong individual on the account (address, phone numbers, etc.) to prevent additional attempts made to that location. This is why the dispute provision exists in the FDCPA—to ensure that debt collection companies and current creditors are attempting to collect from the correct individual. The federal and state courts who interpret the FDCPA often mention this principle in their opinions as a reason why Congress added the dispute provision to the FDCPA (see section 15 USC 1692g).
- The Bureaus, Inc has detailed policies and procedure regarding disputes that covers consumer complaints alleging the account does not belong to them. Information about this process is included in the initial letter we send to the consumer. When we receive notice from a consumer that the account does not belong to them, we update our records, and the account is marked to request the credit reporting agencies update the account as disputed on the consumer’s credit report. We provide the consumer with account documentation so that they can determine if the account is their account, if the account belongs to a different person, or if the account is a result of fraud. Often, the consumer reviews the account information and realizes that it is in fact their account. Sometimes, the consumer reviews the account information and confirms that the account is the result of fraud or identity theft. In this situation, The Bureaus, Inc puts the account on hold and sends the consumer the fraud affidavit recommended for use by the Federal Trade Commission. The Bureaus, Inc asks the consumer to complete and return the affidavit with any other relevant documentation (police report, copy of state issued identification with signature, etc.). The Bureaus, Inc reviews all the documentation the consumer provides as part of the fraud investigation. The investigation can include contacting the original creditor, comparing the signatures and information provided at the time the account was opened with the information in the FTC fraud affidavit. We attempt to resolve the consumer’s concerns before the dispute process. As many people have the same name, we have specific identification procedures to ensure that we are contacting the correct person. When we reach a consumer on the phone, The Bureaus, Inc representatives verify two pieces of personal identification information such as the last four digits of a social security number, current address, and/or date of birth. So, if the representative finds that the “John Doe” on the phone has a different social security number or date of birth than the “John Doe” account in our office, the representative updates the contact information relating to the wrong individual on the account (address, phone numbers, etc.) to prevent additional attempts made to that location. This is why the dispute provision exists in the FDCPA—to ensure that debt collection companies and current creditors are attempting to collect from the correct individual. The federal and state courts who interpret the FDCPA often mention this principle in their opinions as a reason why Congress added the dispute provision to the FDCPA (see section 15 USC 1692g).
- Consumers allege that they have issues getting a debt verification letter from company
- When we receive a request for debt verification, we send the consumer a cover letter with the last purchase date, last purchase amount, last payment date, last payment amount, last billing statements, the “good bye letter” from the original creditor, and the cardmember agreement. In some cases we are also able to provide the original application. The information we are providing meets or exceeds the requirements set by the cases in the 4th, 8th, 9th, and 10th circuit courts which set the standard for debt validation under 15 USC 1692g Sec. 809(b).
- When we receive a request for debt verification, we send the consumer a cover letter with the last purchase date, last purchase amount, last payment date, last payment amount, last billing statements, the “good bye letter” from the original creditor, and the cardmember agreement. In some cases we are also able to provide the original application. The information we are providing meets or exceeds the requirements set by the cases in the 4th, 8th, 9th, and 10th circuit courts which set the standard for debt validation under 15 USC 1692g Sec. 809(b).
- Consumers allege not having any contracts or communication with the company regarding the debt
- Contact is not required prior to reporting a delinquent account as such on a consumer’s credit report. If contact were required prior to credit reporting, then everyone could simply avoid contact with their creditors to avoid paying their debts, and still have perfect credit history. Even so, many attempts to contact the consumer are made before they see The Bureaus on their credit report. The original creditor sends billing statements, followed by a letter to the address they have on file, informing the consumer of the transfer of the account and new payment address. We place phone calls and mail letters attempting to notify the consumers of the debt. The letters also inform the consumer they can request validation information verbally, in writing, or electronically directly with our office.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
04/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On oct 12 /2021 I made a payment to ************************** for the amount of $404.37 for the ( COMENITY ******** SECRET account ending on ****** this account was sold ON 2/14/2020 to THE BUREAUS INVESTERS PORTFOLIO NO15 LLC ORIGINAL ACCOUNT #**** LLC ACCOUNT #******** TOTAL BALANCE PAID$404.37 paid onOCT /12/2021 paid to company Glass mountain Capital ********************************************************* ************ account #******** I been sending letters to THE BUREAUS AND TO GLASS MOUNTAIN SENDING DOCUMENTS DISPUTE THROW ************************** EQUIFAX I PAID THE amount I owe I had lost my job thats why I didnt paid for the card, as soon I had the money I paid the whole amount. The company is not replying to my letter my dispute and the wrong re****s on my credit is hurting ME to GET A LOAN FOR A.HOME and good LOW INTEREST REST I HAVE TRY CALL SENDING LETTERS FOR MONTH DISPUTE DIRECT WITH EXPERIAN,TRANSUNION AND EQUIFAX FOR MONTH AND NOTHING the results been that my credit score has decreased for me trying to fix a item that is paid and a credit is not welling to delete or to **** paid as agreed remove the charge off re**** and stop hurting consumer STOP BEEN A BULLY Remove ANY AND NEGATIVE REMOVE FROM THE ACCOUNT LIKE BUT NOT LIMITED TO COLLECTION/CHARGE OFF/CHARGE ACCOUNT/CHARGE ACCOUNT BAD DEBT PURCHASE BY ANOTHER LENDER .I GAVE TO 2 OPTION (1) They can delete the account from all 3 major credit bureaus that I really dont want that option because that card im using it as my history.(2) They can take all the negative re**** from the account stop bullying consumer **** paid as agreed as they got full payment on an account that they only paid ***** on the dollar for that account.
Business response
04/08/2024
The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************, Victoria ****** account, underwritten by ************* ,and opened on 03/08/2016.
Our records indicate that the account was paid in October 2021 and we sent an electronic account deletion request to all three credit reporting agencies on November 21, 2021. Because you indicated the account is still appearing, we submitted another request and have attached a copy for your records.
Thank you for attaching the identity theft report. We will forward the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies.
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
02/22/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
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 requested.Initial Complaint
02/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.Please rectify this matter promptly. My account number is *****Initial Complaint
02/18/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable fr this debt with ************ I do not have a contract with THE BUREAUS **** they did not provide me with the original contract as i requested.Initial Complaint
02/18/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with THE BUREAUS **** I do not have a contract with THE BUREAUS **** they did not provide me with the original contract.Initial Complaint
02/17/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I Am Not Liable For This Debt With THE BUREAUS **** I Do Not Have A Contract With THE BUREAUS **** They Did Not Provide Me With The Original Contract As I Requested. Ive Never Even Heard Of ThemInitial Complaint
02/13/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I'm not liable on this debt with comenity bank. I do not have a contract with The Bureaus ***** They did not provide me with the original contract as I requestedBusiness response
02/19/2024
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 12/15/2017.The last purchase on the account was in the amount of $59.76 on 01/14/2019. The last payment on the account was in the amount of $60.00 on 07/19/2019 the account charged off on 02/29/2020 in the amount of $908.27.
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 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
02/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
The Bureaus account # *****open- 2-19-20 **** ********Business response
02/19/2024
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 11/26/2018.The last purchase on the account was in the amount of $275.60 on 07/05/2019. The last payment on the account was in the amount of $77.00 on 05/23/2019 the account charged off on 01/31/2020 in the amount of $1,256.89.
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 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 1692g 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.
We received your identity theft report from the credit reporting agencies on February 15, 2023. We forwarded the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies.
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
02/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
All 3 credit reporting agencies and ***************** Government advises consumers seeking to pay debt collectors for the debt to get the payment agreement in writing, including any verbal agreements made regarding removal of the collections account from the consumers credit report. In fact, consumers are told to *not* make any payments to collections agencies unless they can provide you this information in writing *first.*I called The Bureaus today to pay my debt in full with them. And when I requested that I receive in writing all the promises they were making to me verbally, they refused. I informed them of the advice given by all 3 credit reporting agencies and the government (not to mention every consumer protection group). I also suggested that perhaps if they arent willing to put what they are verbally telling me in writing, that I cannot trust what they are verbally telling me. I then began recording the phone call. The manager I spoke to was belittling and rude. I WANT to pay the debt. But how am I supposed to if they cant put the payment and credit reporting agreement in writing? What if I pay, and they dont abide by anything they promised verbally? It seems that a business who wont put in writing their verbal promises arent ethical.Business response
02/19/2024
The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************.
********************** abides by all local, state and federal laws regulating our business. We established our policies and procedures to exceed the minimum requirements established by these laws. The Bureaus,*** has an internal compliance program in order to ensure observance of these policies and procedures. Part of that compliance program requires our letter templates are reviewed and approved by attorneys. We do not alter or change the language our attorneys approved to be sent on letters.
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 *************************************************************************.
When a service provider notifies us an account we placed with their office for collection has been satisfied, we update the status in our collection software system, and within 60 days The Bureaus, Inc. sends an electronic request to the ************************* to delete the Collection Account from the consumers credit report. We do not have access to make changes to consumer credit reports. We only can submit requests to the *************************.
Professional conduct by our employees is of the utmost importance. We are committed to superior service. We appreciate the complaint bringing this issue to our attention. We will conduct an investigation to determine if there has been a violation our policies or standards.
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
02/11/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
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
02/15/2024
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 02/22/2017.The last purchase on the account was in the amount of $10.96 on 12/05/2018. The last payment on the account was in the amount of $25.00 on 11/13/2018 the account charged off on 06/17/2019 in the amount of $502.17.
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.
We did receive a request for validation 10/27/2021 and we sent the validation information to the address on file the same day. Attached to this response are the same validation 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.
According to 15 U.S. Code 1692g - 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 1692g 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. 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.
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Get a QuoteCustomer Complaints Summary
286 total complaints in the last 3 years.
147 complaints closed in the last 12 months.