Credit Bureau of St. Croix Facing Debt Collection Lawsuit

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Credit Bureau of St. Croix, Inc. is on the wrong side of a proposed class action that alleges the company used unconscionable means in its attempt to collect a Florida woman’s supposed debt. According to the 11-page complaint, the defendant violated federal law when it sent the plaintiff a collection notice in September 2016 that failed to note the company’s role in connection with the debt, as well as properly identify the woman’s original creditor as required by the Fair Debt Collection Practices Act (FDCPA). Though the letter in question listed Bank of Nova Scotia next to “Client Name,” the lawsuit claims this did not indicate to the plaintiff if the bank was, in fact, the original creditor.

Moreover, the defendant also allegedly erred by informing the plaintiff that she was “expected to pay your outstanding bills, otherwise further collection efforts will continue against you.” The lawsuit asserts this language overshadows or contradicts that within the FDCPA and is essentially a threat made against the plaintiff during the period in which she could legally dispute her debt.