Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC (PA)

XXXXConsumer Financial Protection Bureau ( CFPB ) ** ** XXXX XXXX XXXX XXXX XXXX, IA XXXX ** XXXX XX/XX/2024 ] ** XXXX : Fraudulent Account Dispute** Dear CFPB, I am writing to file a dispute regarding a fraudulent account that was opened in my name. 

**Account Information : ** * Account Number : [ XXXX ] * Creditor Name : [ Leafy Financial LLC XXXX **Fraudulent Activity : ** I recently discovered that an account was opened in my name without my knowledge or consent. I have never had any dealings with [ Creditor Name ] and have not authorized anyone to open an account on my behalf. 

I believe this account is fraudulent because : * I have never received any correspondence from [ Creditor Name ] regarding this account. 
* My identity was stolen and used to open the account. 

**Impact of Fraud : ** This fraudulent account has negatively impacted my credit score and financial standing. I am concerned that the account may be used for further fraudulent activity, such as identity theft or unauthorized purchases. 

**Request for Investigation : ** I request that the CFPB investigate this fraudulent account and take the following actions : * Close the fraudulent account immediately. 
* Remove all negative information associated with the account from my credit report. 
* Investigate the identity theft and take appropriate action to protect my identity. 

I am enclosing copies of the following documents as evidence of the fraud : * Identity theft report * Correspondence from [ Leafy Financial ] regarding the fraudulent account Thank you for your attention to this matter. I appreciate your prompt investigation and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXXConsumer Financial Protection Bureau ( CFPB ) ** ** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ** XXXX Your Name ] ** ** [ Your Address ] ** ** [ Your Phone Number ] ** ** [ Your Email Address ] ** ** [ Date ] ** XXXX : Complaint Regarding Inaccurate Information on Credit Report ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** Dear CFPB, I am writing to file a complaint regarding inaccurate information that appears on my credit report. 

**Account Information : ** * Account Number : [ XXXX ] * Creditor Name : [ Leafy Financial LLC ] **Inaccurate Information : ** * [ Description of inaccurate information ] **Impact of Inaccuracy : ** The inaccurate information on my credit report has negatively impacted my credit score and financial standing. It has made it difficult for me to obtain credit, secure loans, and qualify for favorable interest rates. 

XXXXCreditor 's Response : ** I have disputed the inaccurate information with the creditor, [ Creditor Name ], in writing. However, the creditor has failed to investigate my dispute or correct the inaccurate information within the required XXXXday time frame, as mandated by Regulation Z ( 12 CFR 1006.34 ( b ) ( 5 ) ). 

XXXXRequest for CFPB Action : ** I request that the CFPB take the following actions : * Investigate the inaccurate information on my credit report. 
* Require the creditor, [ Creditor Name ], to correct the inaccurate information and notify all credit reporting agencies that have received the incorrect information. 
* Take appropriate enforcement action against the creditor for violating Regulation Z. 

**Enclosed Documentation : ** I am enclosing copies of the following documents as evidence : * Copy of my dispute letter to the creditor * Proof of the creditor 's failure to respond or resolve my dispute within XXXX  days Thank you for your attention to this matter. I appreciate your prompt investigation and assistance in resolving this issue. 

Sincerely, XXXX XXXX