Consumer complaint received 2017-03-21
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Dear CFPB, I, XXXX, want to report that XXXX and Grant & Weber ( ENTITIES ) have violated my consumer protection rights and have acquired my personal, private and social security information without my authorization. I have never received any services or products from these entities. I have made NO agreements or contracts with these ENTITIES. 

These ENTITIES have created these XXXX accounts # 's XXXX, XXXX, XXXX, and XXXX without my authorization. Moreover, these ENTITIES have stolen my IDENTITY to create these accounts. 

We order my credit report on XX/XX/XXXX as my husband and I would like to buy a house. It was then that I found out that Grant & Weber and XXXX were reporting these collection accounts. See Exhibit A. 

On XX/XX/XXXX I disputed those collection accounts under FDCPA 1692g and FCRA for impermissible credit pull, as I did not know who these ENTITIES were and demanded for Grant Weber to validate the collection accounts. Please see attached the Certified Notice of Dispute Letters I sent to Grant Weber. See Exhibit B. 

On XX/XX/XXXX I received response letter from Grant Weber referencing accounts to services rendered by XXXX Hospital. See Exhibit C. 

On XX/XX/XXXX, I outreached to XXXX Hospital and spoke to XXXX at XXXX. She instructed me to Faxed Authorization and Request for All Billing Documents to fax XXXX. See Exhibit D. 

Two weeks passed and XXXX Hospital did not provide All the Billing documentations requested to prove any business relationship between XXXX Hospital and XXXX and or Grant & Weber. 
Therefore, On XX/XX/XXXX, I personally along with my Uncle and Aunt, XXXX and XXXX, went to XXXX Hospital Billing Department and spoke to XXXX directly. 

I asked XXXX what of my personal information and or documents XXXX Hospital provided to XXXX and Grant & Weber. 
We were shocked to hear from XXXX that XXXX Hospital has NEVER had any business relationship with XXXX. In addition, XXXX said that there was NOTHING XXXX Hospital could provide in writing to prove and validate any business relationship between XXXX Hospital and XXXX and Grant & Weber. 

As you can see, these ENTITIES have committed a crime by stealing my IDENTITY. If XXXX Hospital does not have a business relationship with XXXX and could NOT provide any documentation to validate any business relationship with Grant & Weber, how did these ENTITIES, get my personal information including my social security. 

Furthermore, how can these ENTITIES report these collection accounts on my credit report when the service provider, XXXX Hospital, has no business relationship and could not provide any documentation of such a relationship, if any, with these ENTITIES. 

These is Outright fraudulent collecting and outright fraudulent reporting from Grant & Weber, and in major violations to my consumer protection rights under FDCPA, FCRA and FTC. 

Therefore, I 'm demanding that these unlawful and deceitful collection accounts be removed permanently removed and deleted from all XXXX credit reporting agencies XXXX, XXXX and XXXX immediately. 


Respectfully, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation