I received a letter yesterday from Merchants & Professional Credit Bureau, INC. trying to collect a hospital debt. Their letterhead specifically says CREDIT BUREAU. I thought a credit bureau was the same thing as a credit reporting agency.
(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act. http://www.ftc.gov/os/statutes/fdcpa/letters/dankowski.htm http://www.ftc.gov/os/statutes/fdcpa/letters/isgrigg1.htm You have to figure out if the do indeed operate a credit reporting agency aka credit bureau. They claim they do: http://www.mpbreports.com/aboutus.htm
just a comment... You would think with all the experience and time in the business they brag about, they would be able to come up with a more exciting web site format.