Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Gurstel Law Firm, P.C. (AZ)

It appears as though someone, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX who used duress to obtain my social security number, one of their friends, an unknown person, or Gurstal Law Firm has violated the Truth in Lending Act, copied the information in a XXXX  XXXX account that I stopped using around XXXX, XXXX after becoming aware of my credit cards being compromised and XXXX  XXXX refusing to fix the issues on my card. It looks as though they copied and pasted information from the original account into this account either by using the data on personal information in the first account into the second account and/or used publicly available information and/or trash to create this account, created fake purchases, or something to make it look like it was me. Multiple times I have asked for them to provide me with signatures to prove as to who made the purchases and opened the account, but they have failed to do this. However, they have failed to do this. Now, Gurstal Law Firm is trying to sue for a debt is not mine, I have submitted to them everything that shows the account is not mine, yet they have failed to drop this case. On the last meeting with Gurstal Law Firm, the guy went on a fishing exhibition to try and say well then this is true so the debt must be yours, but this is not proof as to who made the purchases. All what I am looking for is proof as to who made the purchases since I know it was not me. IP addresses, delivery addresses of packages, etc. is not enough alone as to who made the purchases since any network can be hacked into and a criminal could have a package delivered to any address where they keep track of the package by cloning an email address. My wife believes they used publicly available information including through the credit reports in order to create fake credit card statements through a randomization software program and random payments from businesses in the XXXX XXXX area in order to create this fake account. Then they forged call logs, etc. just to try and convince a vulnerable adult, which I fall into due to my hearing loss, into paying something that they do not owe. My wife has no interest in this matter and is beyond her skill set but she says one way to do something like this is via an automation technique and that is to use a random number generator type program to select an individual to create a fake account. From there, use XXXX XXXX and scripts to scan that individual and their relative 's social media accounts and other publicly available information into finding out a person 's habits than have the software to autogenerate credit card statements including back dating the purchases as a part of the program to create these false accounts. ( My wife says there is massive amounts of digital data that with the correct AI software or the correct script, the information can be collected, and that this technology is improving all the time with an example being the self-driving technology. ) The question that I do not know is to who did this. What does not make sense to me are payments of XXXX, XXXX, and XXXX by someone earning minimum wage. Also, there has to be a paper trail of signatures in order to back the purchases, otherwise, how could XXXX XXXX pass an audit to ensure that they are billing their customers correctly. My wife says that for most industries, a paper trail of records has to be kept between for 5 - 10 years, including her job in case of an audit. I am looking for this XXXX XXXX that answers who. 

Dates where proof of purchase and who opened the account was requested : XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held