Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GAMACHE & MYERS, PC (MO)

On XX/XX/XXXX, my personal identity was stolen and my social security number was used fraudulently against me. I did become aware of this matter until XX/XX/XXXX, when an address was updated on my credit report. I filed proper documentation and contacted any and all parties impacted by this misfortune. Apparently sometime in XXXX or XXXX, the defendant XXXX XXXX XXXX began sending written notifications for the alleged accumulation of such charges and debt to address which was illegally added to my credit report. I have no records to disclose of this action but said the defendant admitted on a recorded line they had been contacting said party. 

I begun getting letters which were forwarded to an address on file, which were dated as far back as XX/XX/XXXX. Now keep in perspective this said alleged attorney could not validate or confirm or deny the timeline from the beginning to when they began sending letters to yet a second address on file which was the updated address from the illegal actions taken on XX/XX/XXXX. Cardholder was never once contacted during the Pandemic regarding this matter as these services and actions were suspended. I was sent yet another letter regarding this matter on or around XX/XX/XXXX, alleging an outstanding debt from another collection agency, not Gamache @ Myers. I spoke with them on 2 random occasions and advised them this was an activity of Identity Theft. On XX/XX/XXXX they sent an alleged letter stating a balance was owed, but they did have legal right to collect per FCRA polices. On XXXX XX/XX/XXXX, they repeatedly sent yet another harrassing letter stating another balance different from original and claiming some sort of an agreement, I have zero knowledge of any of this activity. They were told on both occasions this was mistaken identity and I was working with an attorney in XXXX DC and I was advised to inform them of this communication activity. 

The attorney handling this situation legally has no rights to collect per FCRA guidelines. I was once again sent a letter regarding such said agreement, not knowledge or written contract with defendant since they have no basis on this matter. I have letters stating such alleged debt was dated XX/XX/XXXX. No such transactions took place by this party. There has been zero communication regarding such matter until I was sent a letter dated XX/XX/XXXX which I personally did not have possession of said letter until XX/XX/XXXX, and letter is a threatening letter that I am being sued. This is nothing less than unprofessionalism, illegal collection activities, FCRA violations and CFPB violations. This defendant has had legal allegations brought against them before and I am considering this as a consumer who was never rightfully contacted, in writing regarding this alleged allegation, let alone now a second claim against this consumer. 

I recently contacted the local authorities and they advised contacting a civil attorney. I already have a federal firm handling my identity theft and I do believe this is unfair and unjustifiable by this agency who obviously has no right to collect nor follow federal guidelines regarding consumer rights.