Consumer complaint received 2022-06-20
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XX/XX/2022 RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts. 

I demand that the following account be removed immediately : Designed Receivable Solutions HLTHGS*XXXXXXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX XXXX and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Also, I request that you send me a validation of all debts according to XXXX, if you can not do that then you must remove it. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation