Consumer complaint received 2018-07-12
Company: Risecredit, LLC
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:
I am literally copy and pasting my last complaint because Rise is saying that they can't respond to the last complaint received since there was an " unauthorized third party '' involved. There is no unauthorized third party as I have given the representative who filed this complaint on my behalf my power of attorney. Regardless, I am now sending this complaint to you myself directly so there is no more shenanigans or excuses. Furthermore, this is exactly the ridiculous tactics being used by XXXX XXXX  to not fix this account after 3 years. It is fraud. They have my police report and affidavit, and now this complaint. If they don't fix this I will now include this in my lawsuit. 

I have been attempting to fight a fraudulent account on my credit report for 3 years. I have been the victim of identity theft and have been able to obtain assistance in clearing my good name and credit from 99 % of the accounts that were opened fraudulently. The only thing I have been unable to get rid of is an account for XXXX XXXX which shows up on my credit report as Rise. I have submitted police reports and filed fraud affidavits which have been notarized to show that I am not the responsible party for this account. I have been doing this since 2015. My wife has also spoken with the company on my behalf since I am a truck driver and I am rarely home. To this day they have not done anything about the account and they continue to credit report it even though no other creditor has held me responsible for the fraudulent accounts. Not only have they not done anything about it, but today I had my wife go visit my representative who assisted me with my fraud case a few years ago and had him look into this case. He and my wife called XXXX XXXX directly and spoke with a man named XXXX XXXX. My representative asked if there was anyway he could assist or speed up this process since XXXX XXXX didn't seem to be doing what they were supposed to. Ultimately, the representative named XXXX said that they had in fact received the fraud notification in 2015 and that they were going to " escalate '' this matter. why would it take them 3 years to escalate the matter when they had already received my police report along with fraud affidavit? On top of that, my wife had been speaking with them several times over the years and they did nothing? Am I supposed to believe that only now they are going to do something about it when they have been promising the same thing for years? It gets even worse. When they really didn't want to speak with my representative anymore and just said that they were escalating the matter, my representative asked when they had starting working on the fraud. They responded since 2015. My representative then informed XXXX XXXX XXXX that because they have done nothing in 3 years that I would no longer simply accept nor believe that regurgitated response and that I would file a complaint to the regulatory agencies because of this and would more than likely also sue them. XXXX XXXX then said something that shocked my wife, representative, and later myself when I heard it. 
XXXX XXXX said that the complaint and lawsuit is probably the best idea and that I should do it. In case that's not clear, a XXXX XXXX  representative actually acknowledged and agreed that their own company should be sued because of this situation and encouraged me to do it! If that doesn't show their guilt or willful negligence then I don't know what does. I am now filing this complaint in hopes that you can assist me in getting XXXX XXXX  to remove this fraudulent account from my credit report. This has cost me thousands of dollars in equity, interest, and investment opportunities as I have been trying to buy a home all this time. My credit is otherwise spotless and the only thing preventing me from buying a home is that my loan officers say that I need to pay for this fraudulent loan so I can proceed with the loan. But why should I have to pay thousands of dollars for something I didn't sign for, borrow, use, or have anything to do with? In the last three years prices of mortgages have skyrocketed, Interest rates have increased, inventory in my area is extremely low and has many buyers competing for the same home. What I was able to buy for {$200000.00} in 2015 now costs about {$270000.00}. This hast cost me irreparable harm and I am about to take this matter to court if XXXX XXXX  does not remove this from my credit report after this complaint has been filed.

Company response to consumer: Closed with explanation