Consumer complaint received 2023-11-15
Company: Sentry Credit, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX, I hope this message finds you well. I appreciate your prompt response to my complaint regarding the debt assigned by XXXX XXXX. However, I must express my concern as I have not received any communication from Sentry Credit regarding my fraud claim. I have diligently provided extensive documentation, including my ID theft affidavit, FTC identity theft report, police report, ID, and evidence of residing in a different state during the alleged lease period. 

Contrary to your statement, I have not received any email or fraud packet from Sentry Credit at XXXX or any other address. I am perplexed by the lack of evidence on your part confirming the validity of the debt in question. The documents you claim to have sent do not include crucial elements such as my ID, actual signature, or any definitive proof linking me to this alleged debt. 

Furthermore, I have no knowledge of, nor association with, a person named XXXX XXXX, mentioned as the other party on the lease. I suspect that XXXX XXXX may also be a victim of identity theft or, worse, the perpetrator. This raises serious concerns about the accuracy of the information you are relying on. 

I must emphasize that your failure to provide concrete evidence supporting the legitimacy of this debt is a clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumers are entitled to accurate and verifiable information regarding any debts in question. Sentry Credit 's actions, or lack thereof, are not in compliance with these regulations. 

I am prepared to take legal action to protect my rights under the FCRA. Please provide the necessary and accurate documentation to substantiate this debt immediately. If Sentry Credit continues its collection efforts without proper verification, I will have no choice but to pursue legal remedies available to me under the FCRA.

Section 609 ( a ) ( 1 ) : Accuracy of Reporting Sentry Credit may be in violation if they are reporting inaccurate information about the debt without proper verification.

Section 611 ( a ) ( 1 ) ( A ) : Investigation of Disputed Information The failure to conduct a reasonable investigation into a consumer 's dispute, especially regarding the legitimacy of the debt and the associated identity theft claims. 
Section 623 ( a ) ( 2 ) : Reporting Information Known to be Inaccurate Continuing to report information about the debt when there is reason to believe it may be inaccurate or unverifiable.

Section 623 ( a ) ( 3 ) : Failure to Provide Notice of Dispute to Furnisher Not notifying the original creditor ( XXXXXXXX XXXX ) about the dispute and the potential inaccuracies in the information they provided. 
Section 623 ( a ) ( 8 ) : Failure to Include Consumer Dispute Statement Sentry Credit 's failure to include a statement in the consumer 's file explaining the nature of the dispute, as required by law.

Section 615 ( f ) : Obligations of Furnishers upon Notice of Identity Theft If Sentry Credit is aware of the identity theft claim but fails to take appropriate measures to investigate and correct the information, they may be in violation of this section. 

I am demanding the immediate stop in collection activity and removal of this debt from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation