Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (AR)

Subject : Urgent Demand for Removal of Unauthorized Collection from Credit Report Dear Southern Management, I am writing to address a blatant violation concerning an unauthorized collection entry on my credit report, recently discovered. I have never given consent for Southern Management to access my credit report, and this egregious action constitutes a severe breach of privacy and clear identity fraud. 

I want to emphasize that the unauthorized inclusion of this item on my credit report unequivocally violates federal laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The inclusion of this item without explicit and informed consumer consent blatantly contradicts the permissible purposes outlined in Section 604 of the FCRA. 

Furthermore, under Arkansas law : I. **Arkansas Code Annotated - XXXX - This section reaffirms consumer rights and protections, underlining the unequivocal violation of my rights in this instance. 

In conjunction with these violations, privacy laws are paramount to this matter : II. **Privacy Laws** - The unauthorized access and inclusion of this item on my credit report directly contravene privacy laws, specifically : a. **Arkansas Code Annotated - XXXXXXXX - This section outlines the protection of personal information and the unauthorized access to financial data. 

b. **Arkansas Code Annotated - XXXX  - This section addresses identity theft and the unauthorized use of personal information. 

I hereby assert that the unauthorized addition of this collection to my account constitutes identity fraud. This is a serious offense that not only violates federal and state laws but also undermines the fundamental principles of privacy and consumer protection. 

It is imperative to adhere to the compliance procedures specified in Section 607 of the FCRA, Arkansas Code Annotated XXXX privacy laws, and relevant statutes regarding identity fraud. Ensuring proper protocols are followed when accessing and reporting consumer information is not only a legal obligation but also an ethical imperative. 

I demand, within 30 days from your receipt of this complaint, the immediate deletion of this unauthorized and unverifiable item from my credit report, as mandated by the Fair Credit Reporting Act. 

In accordance with Section 611 of the FCRA, Arkansas Code Annotated XXXX, relevant privacy laws ( Arkansas Code Annotated - XXXX and XXXX ), and statutes against identity fraud, I assert my unquestionable right to dispute inaccurate information on my credit report. The unauthorized nature of this entry makes it an unequivocal violation, and failure to comply within this stipulated timeframe will be considered willful noncompliance. 

The responsibilities outlined in Section 623 of the FCRA, Arkansas Code Annotated XXXX, privacy laws, and statutes against identity fraud emphatically highlight the duty of entities, such as Southern Management, to ensure the accuracy and legality of information provided to consumer reporting agencies.

To further investigate this matter, I demand Southern Management to provide a written document from me, the consumer, explicitly granting permission to access my consumer profile. This demand is in accordance with federal laws, Arkansas state law, privacy laws, and statutes against identity fraud and must be promptly fulfilled. 

I expect Southern Management to address this matter with the utmost urgency it requires, ensuring the prompt and non-negotiable resolution of this unauthorized collection entry. 

Done in good faith.