Consumer complaint received 2017-09-15
Company: STERLING JEWELERS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Kay Jewelers and I have had multiple interaction this year concerning a filing that is placed on my credit report by all 3 credit bureaus. 

I repeatedly have requested account validation and the validation of the debt. Kay Jewelers has finally supplied me these documents attached to a response from CFPB complaint XXXX on XX/XX/XXXX. 

Their response included ( 5 ) documents : 1. Credit Application Identifying Marks : Social Security Number and my physical signature. ( Identifying marks are accurate on this document. ) 2. Sales Slip Inquiry from a purchase made on XX/XX/XXXX 3.  Sales receipt from a purchase made onXX/XX/XXXX.
Identifying Marks : My physical signature and name printed on sales receipt by retailer. ( Identifying mark is accurate on this document. ) 4. Sales Slip Inquiry from a purchase made on XX/XX/XXXX Identifying Marks : None Last Name : XXXX First Initial XXXX and Customer name stated as " XXXX XXXX. '' ( No identifying marks on this document that confirms that I made this purchase. ) 5. Sales Receipt from a purchase made on XX/XX/XXXX Identifying Marks : None Card Holder stated as XXXX, XXXX and the signature is a squiggly line. 
( No identifying marks on this document that confirms that I made this purchase. ) In the companies response they stated the account they are reporting on had two purchases made. The first purchase was placed on XX/XX/XXXX and was paid off on XX/XX/XXXX. The company has provided a detailed receipt with my signature printed on it. I do not dispute this purchase. 

The company states that I made an additional purchase a year and a half later on XX/XX/XXXX. I do n't have knowledge of this purchase and do n't recall this transaction. Kay Jewelers had provided " Sales Slip Inquiry '' as proof of this purchase. The receipt for this is a generated receipt and has a squiggly line as a signature. This purchase has been reported negatively to the credit bureaus. 

This purchase is being reported without Kay Jewelers being able to validate or verify due to lack of identification on the receipt. The sales receipt have zero identify marks such as my name or signature. This definitely does n't match the information supplied on my credit application and the purchase made on XX/XX/XXXX.
I have no knowledge of this purchase being reported and feel I may be the victim of identity theft. 

Kay Jeweler has violated the Fair Credit Reporting Act by failing to re-investigate this dispute as stated in a Fair Credit Reporting Act. They have unfairly investigated this as a bad debt instead of a potentially Identity Theft issue. The last purchase does n't have my complete name on any document and lacks a signature. 

Even though Kay Jewelers is unable to verify this debt, they continue to report it to the bureaus. Not only do they report this debt, but have sold unverifiable debt to a collection agency. 

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report. 

Under the Fair Credit Reporting Act unverified, invalid accounts must be removed. Kay Jewelers has failed to comply with Fair Credit Reporting Act.

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