Debt Dispute Resolution Steps

Summary

In a debt dispute with Fresno Unified School District, ensure compliance with California Education Code § 44042.5 and Labor Code §§ 221–224 regarding wage overpayments. Verify that Creditors Bureau USA adheres to FDCPA and FCRA guidelines. Consider offering a settlement contingent on account closure, no further collection, credit update or deletion, and IRS 1099-C confirmation. Deny liability and preserve legal rights if unresolved.

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Jennifer F. Zepeda disputes a $*,* debt claimed by Fresno Unified School District (FUSD) and collected by Creditors Bureau USA (CBUSA) for wage overpayments made after her January *, * resignation. FUSD continued paying through August * due to a payroll error, but sent notices only to an old address, despite having her updated contact info. CBUSA reported the debt to TransUnion during an active FDCPA dispute. Jennifer submitted two written disputes, but CBUSA failed to provide a signed repayment agreement, proper notice, or legal judgment. She cites violations of California Education Code § *.*, Labor Code §§ *–*, and FDCPA/FCRA provisions. She offers $*,*–$*,* to settle, contingent on account closure, no further collection, credit update or deletion, and confirmation on IRS *-C. She denies liability and preserves her legal rights if unresolved.
It sounds like you're dealing with a complicated debt dispute situation. Here are a few steps and legal points you might consider:
- California Education Code § *.*: Check if FUSD has followed this code regarding wage overpayments.
- California Labor Code §§ *–*: Review these sections to ensure proper wage deduction practices were followed.
- FDCPA and FCRA Violations: Ensure CBUSA adhered to Fair Debt Collection Practices Act and Fair Credit Reporting Act guidelines.
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