Consumer complaint received 2023-08-02
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fidelity Creditor Service ( Original company- XXXX XXXX ) has been reporting this false account on my credit report since XX/XX/2019. I have made several attempts to prove that this is not my. This collection account is a result of identity theft, and despite my diligent efforts to rectify the situation, the issue persists, causing significant financial harm. 

Identity theft Incident Details : Date of Identity Theft Incident : XX/XX/2019 Nature of Identity Theft : Opening an apartment in my name without my knowledge or consent. 

Description of the Problem : As mentioned, I have never had any prior dealings with XXXX XXXX, nor have I ever lived in any apartment associated with them. I first became aware of this identity theft issue when I noticed the collection account on my credit report, which was reported by Fidelity Creditor Services. Immediately upon discovering this discrepancy, I took the following actions : Contacted XXXX XXXX  and Fidelity Creditor Service. I have called several times, sent multiple letters, and sent multiple emails explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, I have been ignored and nobody has yet to provide any proof of such an agreement. 

I have disputed with Credit Bureaus : I promptly contacted XXXX, XXXX, and XXXX to dispute the fraudulent collection account. XXXX and XXXX have taken the appropriate steps to remove the inaccurate information from my credit report. However, XXXX has not yet rectified the issue, and the collection account continues to impact my XXXX XXXX adversely. 

I have Filed a Police Report : In light of the identity theft incident, I filed a police report with my local law enforcement agency, and I have attached a copy of the report for your reference. 

Identity Theft Affidavit : I also completed the Identity Theft Affidavit provided by the Federal Trade Commission ( FTC ), which is enclosed herewith. 

Despite these actions, the unjust collection continues to linger on my XXXX credit report, casting a shadow on my financial reputation and hindering my ability to access credit and other essential services. I have followed all necessary steps to demonstrate that this debt is not mine and that I am a victim of identity theft, but my efforts have yet to yield a satisfactory resolution. 

Request for Intervention : In light of the circumstances mentioned above, I request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Fidelity Creditor Service for their unjust reporting of the collection account on my credit report. Additionally, I kindly request your assistance in ensuring the immediate removal of the collection from my XXXX credit report, which will restore the accuracy and integrity of my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation