Consumer complaint received 2021-02-03
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FORTIVA is currently attempt to collect fraudulent and alleged debts from me, a private individual, federally protected consumer and natural person. I have already sent them previous correspondence through the CFPB on XX/XX/2020 which FORTIVA ignored and continued to report this fraudulent and alleged debt onto my consumer report AFTER being told that it was a matter of identity theft, showing blatant disregard for FEDERAL LAW 15 USC 1681c-2, they received ALL of the necessary items per that subsection. FORTIVA also committed Identity theft by acquiring my private, personal and CONFIDENTIAL information WITHOUT my consent, Identity theft is a crime and it has been reported to the proper authorities. FORTIVA then received a debt validation request demanding several documents that any company attempting to collect alleged debts would have if the alleged debt claim was in fact true. FORTIVA STILL has NOT answered to these demands nor sent any bona fide evidence to collaborate with their alleged claims. FORTIVA is STILL attempting to gather more private and personal information from me, contacting me through the mails without my consent in violation of FEDERAL LAW. FORTIVA has violated FEDERAL LAW multiple times in their unwanted communications with me which have been well documented as well as clearly and conspicuously disclosed to them. 
FORTIVA has used abusive, deceptive and unfair debt collection practices in an attempt to collect an alleged debt from me in violation of 15 USC 1692 ( a ). 
FORTIVA has engaged in conduct to harass, oppress and abuse me as well as using threats and other criminal methods in its attempt to collect an alleged debt from me in violation of 15 USC 1692d. 
FORTIVA has not received any request to communicate with me from me directly or indirectly in its attempt to collect an alleged debt from me in violation of 15 USC 1692b ( 3 ). 
FORTIVA has NEVER once told me that they were a debt collector ( see proof in the attached documents ) in violation of 15 USC 1692e ( 11 ). FORTIVA has continually used false and deceptive means in an attempt to collect an alleged debt from me in violation of 15 USC 1692e ( 10 ). 
FORTIVA has used other names than its true name in an attempt to collect an alleged debt from me in violation of 15 USC 1692e ( 14 ).

FORTIVA has used unfair and unconscionable means in an attempt to collect an alleged debt from me in violation of 15 USC 1692f. 
FORTIVA has created and used deceptive forms in order to create the false belief that I owe them an alleged debt in its attempt to collect an alleged debt in violation of 15 USC 1692j. 
FORTIVA is liable for ANY and all damages I have received due to their negligence and non compliance with federal law, unfair abusive and unjust debt collection and consumer reporting practices in its attempt to collect an alleged debt from me pursuant to 15 USC 1692k ( c ). 
FORTIVA has used unfair means to directly injure me a federally protect consumer, private individual and natural person by directly impairing my credit report, unlawfully obtaining my private and confidential information without my consent, and preventing me from engaging in other consumer credit sales/transactions which were needed to improve my standard of living and create financial stability for myself and my family. 
FORTIVA has committed unauthorized use credit card ( social security card ), and conducted some type of consumer credit sale/transaction unbeknownst to me and without my consent. 
FORTIVA has comitted IDENTITY THEFT ( a CRIME ) by obtaining and using my personal and confidential information without my knowledge or consent and still attempts to do so after being notified of their hostile and adverse actions. 
FORTIVA has NEVER received my WRITTEN consent to contact me outside of compensating me for my injuries due to FORTIVA 's negligent non compliance with FEDERAL LAW. 
I have attached the FTC fraud report to this correspondence to this as well as previously sent correspondence. I advise FORTIVA to make these matters right or be FORCED to due so by the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation