Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month. 
