Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (CA)

BACKGROUND I have been a victim of fraud for over 15 years now. Unfortunately I've had the whole book spirits I'm having my credit used by Bad actors and then after those Bad actors received is much goods and services illegally that they could obtain, they then proceed proceeded to sell my information on the internet to cybercriminals who in turn created a multitude of fraud pertaining to my person my business and my financial banking accounts. This fraud was so extensive, that my files have been placed in all three major credit reporting agencies special handling Department. This was because of the complexity and Rapid succession that these accounts were appearing on my report.

ISSUE XX/XX/XXXX at XXXX p.m., I received a email stating that an account was past due on my credit report. I then proceeded to notify this company because I looked at the information it did not look like an account that I am familiar with. And due to the extensive fraud oh, I knew this account was more than likely another one. 
I then proceeded to notify all three credit reporting agencies as well as XXXX XXXX XXXX. 
Once again, a complete fraud packet was uploaded to XXXX and mailed out to XXXX XXXX. The package that was sent out was the same packet that was used to block all other fraudulent accounts that were appearing on my credit report. 
XXXX responded back stating that the packet that was already sent to them previously that was used to delete and blocked fraudulent accounts, was now not sufficient enough to block this fraudulent account. 
The account was then placed into investigation which I believe was improper. 
On XX/XX/XXXX I notified the XXXX XXXX XXXX  that this is a fraudulent account. I've been explained to them that I was a victim of extensive productivity and that I had already provided all the information to the three major credit reporting agencies who in turn will provide the information to clear this account. 
On XXXX XXXX, I received an email at approximately XXXX a.m. stating that XXXX XXXX XXXX have penetrated one of my banking accounts and was deducting money from it. 

Since I have previously prior to this intrusion notified de XXXX that this was a fraudulent account, should have cease and desist all collection actions but they did not. Duvera was also notified by all three credit reporting agencies before the intrusion as well. 

Devura Billing Services was also notified prior to this intrusion that the Bad actors, have penetrated all of our personal, financial and business information. Several cell phones will remove from our locker that were being used to conduct these transactions as well.

All three credit reporting agencies including Duvera Billing Services were contacted again. I filed a dispute with all three credit reporting agencies and also made a telephone call to Duvera Billing Services requesting them to remove the negative collection mark from my credit report due to the fact I was not provided any documentation of the existence of this account therefore I was deprived of 30 to 45 day right to acknowledge the debt as being valid or fraudulent.

I believe if I was afforded this right, this collection agency could not place this on my credit report as long as I contacted them within that time frame. I was deprived of that time frame due to this being an account open fraudulently once this time elapsed, this allowed the collection agency to proceed with placing this negative account to my credit report. 
On XX/XX/XXXX at XXXX a.m. ( FRIDAY ) I sent via email a complete package pertaining to fraudulent activity that was committed against me. That package included all relevant police reports, case information on the person who was convicted of using my identity, relevancy of fraud which included identity theft affidavits and Federal Trade Commission complaints. 

On XX/XX/XXXX, I receive a message from the credit reporting agency app I used to monitor my credit report, that Duvera Billing Services has updated more additional negative markings to my credit report. Then on XX/XX/XXXX at XXXX XXXX I received an email stating that this collection agency has determined that this fraudulent account is mine but provided no documentation to support this claim and stated that they will continue to harass me about this fraudulent account. The account that had the intrusion, was flagged as having fraudulent activity and was blocked by my banking Institution. This required me to have to obtain new debit cards and credit cards which I did. 

Upon learning that they did not remove this fraudulent account, I then proceeded to call XXXX. I then informed XXXX that this fraudulent account has been validated and I then asked them to show me what documentation this creditor provided which made my three police reports, my several Federal Trade Commission complaints, and my numerous affidavit of identity theft notarized forms and not to mention, the criminal case paperwork invalid or not enough to support my claim? And XXXX XXXX representative simply stated, they just told us it was yours. 

I believe that XXXX violated my rights as a consumer By ignoring all of the federal and state documents I provided over a simple word of mouth with no evidence to support this creditor 's claim. It seems as if XXXX has an obligation to assist this creditor beyond means of legal regulations. 

ACTION I have now filed a police report against this collection agency for harassment and violation of the fair debit Reporting Act. I've also filed a police report against XXXX XXXX  which is linked to this Collection Agency company.