Consumer complaint received 2024-12-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the illegal and unauthorized use of my personal information, including my Social Security Number ( SSN ), by USCB Corporation, acting on behalf of XXXX XXXX XXXX. I believe my personal data has been sold or purchased without my explicit consent, which is a serious violation of my privacy rights and federal law. 

Details of the Complaint : Unauthorized Use of My Personal Information : I have received a collection notice from USCB Corporation related to an alleged debt with XXXX XXXX XXXX. In the communication, USCB Corporation offers a settlement to resolve the debt, but I have reason to believe that my personal information, including my SSN, was used without my authorization in connection with this debt. 
Illegal Selling or Purchasing of Personal Information : It appears that my personal information may have been illegally sold or purchased by XXXX XXXX XXXX or other third parties without my consent. The sale or sharing of sensitive personal data, including SSNs, without explicit permission is a violation of privacy laws such as the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act, and other relevant federal regulations protecting consumer data. 
Failure to Provide Consent : I have never provided consent for my information to be shared or sold to any third-party entity, including XXXX XXXX XXXX XXXX Additionally, I have not been properly informed about how my personal data was obtained or shared, which is a clear violation of my privacy rights. 
Request for Action : I respectfully request that the CFPB investigate this matter to determine if my personal information was unlawfully shared, sold, or purchased by XXXX XXXX XXXX, USCB Corporation, or any other related parties. Specifically, I request the following actions : Investigation of Illegal Practices : Investigate the circumstances under which my personal information was used without my consent, including the potential sale or purchase of my SSN and other personal data. 
Proof of Consent : Require USCB Corporation and XXXX XXXX XXXX to provide evidence that I authorized the use of my personal information or any sale of my SSN. If no consent exists, they should be held accountable for the violation of my rights. 
Remediation and Corrective Actions : Take steps to ensure that my personal information is removed from any unauthorized databases and that such misuse is prevented in the future. This should include requiring all parties involved to correct their actions, provide compensation for any damages caused, and cease any further unauthorized use of my data. 
Notification and Transparency : Require both USCB Corporation and XXXX XXXX XXXX to disclose all instances in which my personal information was shared, sold, or purchased, and provide full transparency regarding how my information was obtained and used. 
Financial Harm and Privacy Violation : The improper use of my personal data has caused me significant distress, and I am deeply concerned about the financial and reputational damage that may have occurred as a result of these actions. If my data was used for purposes I did not consent to, I believe I am entitled to both actual damages and statutory compensation for the violation of my privacy rights. 

I urge the CFPB to look into this matter with the utmost urgency, as the illegal sale or purchase of personal information is a serious issue that affects my financial security and personal privacy. 

Thank you for your time and attention to this complaint. I look forward to your prompt response and action in resolving this matter.