Consumer complaint received 2023-01-31
Company: Block, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX I am enclosing documents of correspondence regarding my complaint with the California based company, SQUARE. I understand the company is also called Block, and Cash.app as you will see on the enclosed bogus 1099 K form that they sent to me. 

Details : XXXX XXXX XXXX. Received the attached 1099 K form in the XXXX Mail. 
XXXX XXXXXX/XX/XXXX I started trying to contact _the company by phone. Before calling I looked on the web to be sure it was a legit company. The form is sent by Block, XXXX Square, Inc. I started there. I got a person to hear my complaint. She looked me up in the Square system and said I did not have an account. I emailed her a copy of the false 1099K form. She looked and said it was an account with Cash.app and that I would have to call them. The Cash app system for customer service is to call a number of which there are at least two both automated only : XXXX or XXXX. They will call you back at the number you called in on. They did respond with a call back within a few minutes. However when I told them I had received a 1099 K form for an account that I DO NOT have and NEVER have had, never applied for, dont know anything about., I was told they would contact me by email. There was NOT another human being person I could talk to even when I asked to speak to a XXXX. Only email contact. End of conversation. 

XXXX XXXX XXXXXXXX XXXX I called multiple times. Sometimes I would get a call back, sometimes not. No email. I wrote the enclosed letters and sent them via XXXXXXXX XXXX XXXX, and USpost office. Each one with signature guarantee and tracking. I saw three different addresses for the same company : On the internet : Cash App. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On the false 1099K form : Block, Inc XXXX Square, Inc XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX Also on the Internet : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent letters to all addresses. ( attached ) I have received confirmation of delivery to all. Signatures were done for mailroom and receptionist for the most part. I also sent documentation to XXXX for their records. 

I contacted XXXX, XXXX, and XXXX, making sure no such account in my name listed there. None were found. No hard or soft enquiries from this company under any of those names. I froze my credit record at that time at all three credit bureaus so no one should have been able to open anything in my name. 

I filed a police report with the XXXX XXXX Police department for identity theft. ( attached ) I filed a complaint at IdnetityTheft.gov. and an adjacent complaint to the IRS ( attached ) I was advised by my attorney and accountant at XXXX XXXX to demand an immeditate issuance of a CORRECTED 1099 form corrected to a ZERO balance and an immediate removal of the account that this company has in MY name, MY social security number and My address ; I filed a complaint with Department of Financial Protection and Innovation in California since the company is a California based company. These people referred me to Texas Department of Banking. ( Attached ) This morning XX/XX/XXXX I called the Texas department of Banking regional office here in XXXX, and spoke to XXXX XXXX XXXX. He said I needed to file this complain with the Consumer Protection Bureau which is what I am currently doing. 

In XXXX I was the victim of Identity Theft. The thieves were caught by the XXXX Texas Police department. At the time they had a list of names, social security numbers and birthdates. The police were trying to connect the information to the people mentioned to see if any theft had occurred. These thieves ( or someone they sold info to ) opened fraudulent electric company accounts ( using my stolen credentials ) in XXXX and a XXXX Texas town. These fraudulent accounts remained open for only a couple of months. I only knew of this 6 months later when collections agencies started calling me. I thought they were bogus calls. However, that was the beginning of my understanding that I was the victim of identity theft. I had not taken out these accounts period. I knew nothing about them. The thieves were eventually found, arrested, convicted, and served or serving time in the federal jails. I am attaching information sent to me by Department of Justice. Case XXXX. I get periodic updates. One of the crooks is out on probation. I have never been contacted by any of the crooks. But I dont know if this fraudulent account could have anything to do with further illegal activity connected to them. 

This FALSE 1099 K form has my correct name, correct social security number ( which I have blacked out due to legal advice ) and correct address. However, I do not know HOW my information was obtained, WHO obtained it. But it has been used ILLEGALLY. 

I ask for your help in closing this account, obtaining a corrected 1099K account, and eliminating my information completely from this company. Upon reading the 1099 form you will see there were a LARGE number of transactions claimed ( 2330 transactions ) for a large amount of money ( {$49000.00} ) over a three month period only XXXX, XXXX, XXXX. The form states that the information is being sent to the IRS. I need for this to corrected immediately so I may file a correct tax return this XXXX. I do not intend to be taxed on fraudulent activity conducted in my name. 

I appreciate your help in securing the corrected 1099K form and removal of my name, address, social security number from Square, Cash App, Block data bases. 
I look forward to your response. 
Thank you so much. 

XXXX XXXX

Company response to consumer: Closed with explanation