Consumer complaint received 2022-01-28
Company: Pollack & Rosen, P.A.
State: FL
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:
I am filing a complaint against Pollack & Rosen P.A, a debt collector, and XXXX XXXX, a debt collector. They erroneously put a judgment against my name without first giving me the consumer the ability to defend myself. On XX/XX/XXXX I applied for a loan, which I would have qualified for, however was denied because a representative/loan officer informed me that I had a judgement against my name filed on XX/XX/XXXX, by XXXX XXXX , Pollack & Rosen P.A , a debt collector. After my attempts to call XXXX XXXX I was redirected to the Law offices of Pollack & Rosen P.A, a debt collector. After speaking on the phone with someone who I believe was a representative, I asked her for more information about this judgement, that I had no clue about, and why I had not receive anything in the mail that would have allowed me to defend myself. I told her that if I would have received any form of communications as indicated under the FDCPA, I would have had a chance to do more investigation and I would have had the chance to let them know that this was a result of identity theft. She informed me that her team would look into it and do an investigation with XXXX XXXX.. After I spoke to the Pollack & Rosen P.A rep, I called XXXX XXXX again, they first advised me to call XXXX. But I told them XXXX told me to call them. After going back and forth with a XXXX XXXX agent I asked to speak to a supervisor. I asked the supervisor if records had shown that last year in XXXX that I had filed a complaint with the CFPB and that I was a victim of identity theft with XXXX  XXXX. He said that he did see that there was a complaint filed by the CFPB but it wasnt final. On XX/XX/XXXX, after waiting on the phone for more than twenty minutes, a rep at Pollack & Rosen P.A informed me that my identity theft claim was invalid. How? How can I a consumer, claim an identity theft against me and have a faulty elaborate system of mechanism conclude its invalid when no one called me, neither XXXX XXXX , Pollack & Rosen P.A or XXXX to ask me any questions about this account. XXXX XXXX and Pollack & Rosen P.A both debt collectors are performing actions 15 USC 1692g, by not sending me any notice in the mail giving me the consumer the change to access this action. Therefore I filed an identity theft report with the FTC see ( attached, ) and a copy of my affidavit of truth notarized see ( attached ) stating that I am a victim of identity theft with XXXX XXXX. I have sent my documents to XXXX XXXX and Pollack & Rosen P.A, both debt collectors who now have information with actual knowledge of errors per 15 USC 1681s-2. Therefore, in light of these errors, I am demanding that XXXX XXXX and Pollack & Rosen P.A remove my information of false judgement against me in public records, as well as blocking/ delete my information from XXXX and all other consumer reporting agencies that they have reported my name within 5 days. Because my livelihood is being affected, if these actions are not taken care of in the time frame, I will be seeking civil remedies under the consumer protection laws that protects me as a consumer and the compensations that I am entitled too. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation