Consumer complaint received 2021-12-05
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the year of XXXX I signed a lease with the apartments XXXX XXXX  so that I could live there. Initially I received a XXXX lease which I signed as the resident and my mother who cosigned with me signed as the owner. The the apartment complex sent me an updated lease, which my mother and I signed again. First of all, my mother shouldn't have signed as an owner because she did not own the apartment nor was she staying there. She should've signed as the co-tenant or guarantor. I signed up to join the military as an XXXX XXXX XXXX in XXXX which was discussed with the leasing agents of XXXX XXXX  and was informed that i would not have to owe a debt or pay off a collections. Stated in Chapter XXXX of the XXXX and XXXX XXXX XXXX, they should not have tried to collect any debt/ collection against me due to me informing them of my transition into the XXXX XXXX I also gave them letter along with a copy of my my orders to my basic training/ AIT duty station. It was agreed upon that I would not owe ANY debt. I disputed this information to the collection agency XXXX XXXX and also sent them a copy of my XXXX verifying the time I was in the XXXX was the time they added this collection to my credit report. Once they responded back to the letter, they sent me a false contract and they also forged my signature and added some random person to the lease, which was NOT my mother. They also changed the original dates on the contract, which verifies they commited CRIMINAL activity. I sent an email to XXXX XXXX stating that I signed the contract before I turned XXXX before I did more research. I realized that I signed the contract after turning XXXX, but XXXX XXXX  sent me the wrong lease and re-sent another one to fix the dates. I am requesting to have this collection to be removed from my mother and I 's account due to criminal activity taking place on behalf of the XXXX XXXX. They forged my signature, changed the dates from the original contract, added some random person to the lease who I do not know and attempted to collect a debt from me while I was an XXXX XXXX XXXX. Notice how the TERM DATES on the orginial contracts I have DO NOT match the TERM DATES they have on they're fake contract. The contracts I have are the original ones because I still have the message threads in my email between me and the actual apartment leasing office. Notice how the signature on their fake contract does not match MY signature. The black and white files are the orginials because they were copied and faxed to the apartment 's leasing office. The colored documents are the fake contracts drawn up by the collection agency. The dates signed on the fake contract do not even match the dates signed by my mother and I on the original ones! As you can see on the fake contract, where it says OWNER was where my mother originally signed on the original contract. On the colored ( fake ) contract you can see they put somerone by the name XXXX XXXX 's name where it says owner. WHO IS XXXX? I do not know anyone by that name! If you look at the screenshot where it shows my email and an attached file, you'll also see where it was sent XX/XX/XXXX ( the title of the original contract ), it matches the titles of the black and white documents ( XXXX )

Company response to consumer: Closed with explanation