Consumer complaint received 2021-12-08
Company: GreenSky, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA '' ), Fair Debt Collection Practices Act ( " FDCPA ), Fair and Accurate Credit Transactions Act ( " FACTA '' ) I am exercising my lawful right to request removal of any trade lines of this account on my credit report including inquiry records and collection notices being reported to the four XXXX XXXX XXXX XXXX ( " CRA '' ) : XXXX, XXXX, XXXX, and XXXX. This request is due to the fact that the above-referenced account is fraudulent and a case of identity theft. I did not put this in writing sooner because I was unaware of the fraudulent activity until I contacted the original creditor. I also received, in writing, a partial debt validation from your agency. Besides, I did not know what recourse was available to me as an identity theft victim. 

I HEREBY AFFIRM 1. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods, or services described in the account listed above ; 2. I did not receive any benefit, money, goods, or services as a result of the events described in the account listed above ; 3. I don't know how this fraud happened ; 4. I don't know who is responsible for this fraud. 

The XXXX amendment to the nationally approved FACTA ( effective XX/XX/2004 ) will require compliance with this request within 30 days. Further, credit issuers must provide that documentation and information to a police agency designated by the impersonated party. In lieu of a police report, an official affidavit filed with the Federal Trade Commission - Case Number : FTC Case Number DEMAND 1. Stop the debt collection activity that abusing and harassing me ; 2. I am a victim of identity theft, and I am requesting that the tradeline be removed from my credit report. All inaccurate information, invalid marks and collection notices reported by your agency to any of the National Credit Reporting Agencies, has to be deleted immediately by your offices. Once resolved, I expect a letter of clearance to be issued within fifteen ( 15 ) days ; 3. Do not sell, distribute, trade, exchange, share, donate, giveaway, and/or transfer information about this fraudulent account with any other entity ; 4. Finally, remove all of my personal information from your company records.

Please be advised that continued reporting of this account to the CRA 's as collection items is considered a violation of the State and Federal laws in accordance with the FCRA, FDCPA, and FACTA. If you fail to comply with my demands, I will not hesitate in bringing legal, lawful, and administrative actions against your firm as well as the individuals responsible for damage
s to my person. I believe you know if I sue your company in Small or District Court, I can recover actual damages '', including court costs, attorney 's fees, intentional infliction of XXXX XXXX and other diminishes of the quality of my life. In the case of truly outrageous behavior, I can recover " punitive damages '' meant to punish malicious and/or willful conduct. 

I declare under penalty of perjury that this declaration is true and correct to the best of my knowledge. Knowingly submitting false information on this affidavit could subject me to criminal prosecution for perjury. 

I am waiting for your immediate action to my demands within fifteen ( 15 ) calendar days from the receiving of this letter.

Company response to consumer: Closed with explanation