No collection agency has any contractual rights to any contract, they are a 3rd party interloper, tell them you do not consent. its soooo simple look at my post i did on proof of claim

All accounts over $100.00 that are assigned to CB Credit Bureau Collections Ltd. are listed directly on the Credit Bureau credit history file of the person or company we are collecting from. We report delinquent accounts to both Equifax and Trans Union.

Does CB Credit Bureau Collections Ltd report to Equifax and TransUnion regardless of privacy laws and contractual rights. They seem to use this as a "tool" to help the collection process.

Does CB Collections have properly assigned contractual rights from creditors to report to Equifax Canada and TransUnion Canada?