Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

The account ending in XXXX, account status : XXXX, owner : XXXX account type : XXXX, Creditor classification : XXXX, loan type : XXXX XXXX XXXX, creditor original name : Capital One Bank USA, opened : XX/XX/2022, balance : XXXX 
Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have NEVER opened this account. I AM a VICTIM of Identity Theft. Never have I given consent/authorization to open this account in my name. I highly suspect my own mother is stealing my identity since I was forwarded the statement account from Capital One and reviewing the transactions, I believe they are relevant to her everyday purchases. I CAN provide you with her personal details. She used to reside at the address mentioned in XXXX  hence why the letters being sent were not " undeliverable ''. I use this address till this day because it is my home address but the home owner is my father. She is divorced from him. When speaking with both banks, XXXX XXXX  and Capital One I also know it is my mother because the agents had mentioned there was a XXXX  speaking agent preference, she does NOT speak fluent XXXX and I do speak fluent XXXX, why would I request this if it were me? She opened another account using my name and XXXX with XXXX and upon speaking with them, it resulted she had used her XXXX  email to open this account. I do not know if she used her XXXX  email to open this account, NEVER would I use someone else 's email to open an account under my name. The phone number used is indeed her 's but since I reside abroad I do not own a XXXX  card and she lends me her phone number to help me with XXXX codes, that sort of nature. When being shared the statement account I see both of my surnames are reversed and legally this is NOT my name. NEVER would I provide my name incorrectly if it were me. I have been living XXXX  for the past XXXX  years so there is NO way for me to open this account and make these transactions, I do NOT even own a vehicle which I see there was a payment with a car dealership with XXXX XXXX XXXX located in XXXX XXXX and I know she owns a XXXX. I have proof/evidence that I have been living abroad during these XXXX  as well. Please, I require written communication this has been thoroughly investigated/this account has been re-opened, fully investigated and completely DELETED off of my credit report under MY name. I had spoken with XXXX of your representatives from XXXX, I will fax over this Affidavit of Fraud report. I do have personal details for my mother so this debt can be transferred to her name. I have been contacted by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX and mentioned Original Creditor : Capital One Bank ( XXXX ), XXXX. account number : XXXX, XXXX : XXXX that this account remains valid, due and owing. I am prepared to receive assistance in clearing MY name and have this transferred to my mother 's name since she had STOLEN my Social Security number and name. It is apparent she used my identity to open this account and took advantage that I've been living abroad for the past XXXX  years and open accounts under my name.