Consumer complaint received 2018-05-19
Company: Total Card, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently begun the journey of monitoring my credit in efforts to better the life of me and my family. As a single mother my credit and my finances are very important to me. I noticed an account with a company called XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. This company is reporting an unpaid credit account through a collection called Total Card , Inc . I have never heard of either of these companies nor have I received any of their services. Unfortunately, this is a fraudulent credit card obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never requested their services. I have contacted this company on several occasions and have been blatantly IGNORED AND I AM DISGUSTED. I have mailed documents to several of their addresses I could locate, and instead my investigation of this fraudulent account has been closed. HOW? I sent on XX/XX/XXXX certified letter with return receipt the following : Notarized Identity Theft Affidavit/ Fraud Account Statement, Police Report, Proof of my address from the time the fraudulent account was opened and a Notice To Furnishers ( FCRA ). However, this company Total Card Inc closed my investigation. EVEN AFTER THEY SIGNED FOR MY DOCUMENTS onXX/XX/XXXX. WHY???? Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. I have attached all related documents to this complaint as proof. Delete this account immediately or legal action will be taken.

Company response to consumer: Closed with explanation