Consumer complaint received 2022-01-30
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : ID theft and past the FCRA statute of limitations Collection/Debt : XXXX XXXX XXXX XXXX last reported XX/XX/XXXX ) - Unpaid XXXX XXXXXXXX XXXX {$1500.00}. ( XXXX ) XXXX This has been taken off my credit report after numerous attempts and they fraudulently re-validated it with false information. For example, every time we call them they collect information about us such as where we live and what car we drive in order to later justify and validate the collection with false information since they are using our actual current information to state that the debt is ours even though it clearly was identify theft. We filed with them for identity theft and it gets taken off to later come back as soon as they learn we are trying to apply for a mortgage to ruin our lives. This is also past the statues of limitations FCRS since its about to hit 7 years this month. They avoid showing me the actual debt in writing, offer no solutions to begin the process and have complete fraudulent lies in file just to attempt to collect a sent by all means including false information. These tactics are known as harassment and intimidation where hey act as lawyers and pretend they have intelligent information. For example, they stated they have my fingerprint ID from XXXX and IP address and yet can not provide me the proof upon request so that I can send it to the police authorities. I dont have any information on it other than their own made up story that I went online and applied for a lease in a XXXX- no written claim or proof. They did not provide any bill or receipt/contract to justify this and only state that I lived at XXXX XXXX XXXX XXXX XXXX and owned a XXXX XXXX at the time of the debt ( XXXX ) which is information that they collected two years ago form us when we disputed it as fraud. In XXXX which is when the debt occurred according to them, we did not own a XXXX nor did we live at XXXX XXXX XXXX XXXX XXXX FL XXXX. I fact that area was part of a swamp XXXX up until XXXX. We did we live there but it was in XXXX. I lived in XXXX XXXX XXXX XXXX XXXX FL in XXXX. So I find out that the creditors find out when your score goes up to go back at harassing you so they are doing this with no justification other that Collect on a debt that is not valid or owed. For all I know it may even be older than 8 years old since they dont even give me any evidence of it. I called again because now that I am finally Able to but a home, they are trying to ruin my life with this. I got into a heavy argument with these people telling them that this was marked as identity theft that was proven and taken out of my credit 3 times. They stated I ordered a phone online with XXXX ( who knows who that is ) almost 7- 8 years ago ( XX/XX/XXXX ) and had a lease agreement for a XXXX phone which went unpaid. They said I made one payment of {$67.00} at the time of the lease and that a thief would never make a payment. I told them again that this was identity theft from 7 years ago. They reported on it just three years from XXXX with no evidence and it was taken off by your agency which is when I had it removed by the credit bureaus for lack of proof. They refuse to remove without a full payment which I can not do because they also wont guarantee they will take it off on top of the fact that its not my debt. Since its hurting me from buying a home again, I want to make sure they never do this to anyone again. This is harassment for a fraudulent claim and hurting me economically in so many levels needs to come with a fine or price. Someone had to hold them accountable and make me whole one day. This was set to come off in XXXX of XXXX this year according to XXXX XXXX but its not mine. Should this old collection that has been proven to not be mine be allowed to even be on my credit again? They said they mailed the phone ( debt ) to the same address I had two years ago when I first disputed it ( XXXX XXXX XXXX XXXX ) and that they had on file the car I drove to validate it as mine which is completely wrong. Where is the signed evidence of this debt? I didnt even live in that address they claim I was shipped a phone to in XXXX. They could not even provide a valid phone number either. So they get all your current information if your current status to validate a false claim to put it BACK on the credit report fraudulently. For example the XXXX I own now was purchased just 3 years ago so I guess they used whatever they know about me and pretend that is what we put on the application to get the phone as evidence that its my debt. Thus should be immediately removed for the following reasons : 1 ) identity theft claim 2 ) Claim not Valid : validation of the the actual debt I was fraudulently validated with credit bureaus. Theres no proof of receipt or contract for such item not a price history if what was purchased. 
3 ) FCRA statues of limitations has elapsed 4 ) This was removed by your agency for lack of of information

Company response to consumer: Closed with non-monetary relief