Collection Bureau of the Hudson Valley, Inc. Debt Collection Complaint

Collection Bureau of the Hudson Valley, Inc. Debt collection department,

Other (phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Missouri

Collection Bureau of Hudson Valley Inc, - - - -, -, - - Ph : ( - ) -Debt : - - - - $ -I had - and paid final bill upon returning equipment on -/-/-. I moved to - on -/-/-. In -/-/-, I found a collection being reported by above collector. In -/-/-, I ask for validation and deletion during this validation as I never received a - day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to - - - - - - - - in -/-/-. I had been living in - for over a year at this point and my current address as that time and now was on my credit file in -/-/-. Collection Bureau of Hudson Valley pulled an - Credit report on -/-/- to obtain information such as my address. They failed to send a - day notice of collection activity to me at my current address on file on - -/-/- so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after


to report it to the credit bureaus after acknowledging they sent the - day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a - day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a - day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in -, not the last reported payment to - in -/-/-. I would like to have the item deleted from my credit file and a given a proper - day notice to validate the debt so that I may pay it if the debt is legitimate.