Consumer complaint received 2016-07-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (TX)

In XXXX XXXX, I was a victim of identity theft. Several accounts were fraudulently opened in my name and nearly {$50000.00} was charged to these accounts. Since this occurred, all creditors have determined that the accounts were not mine with the exception of Macy 's. I have sent Macy 's their Statement of Fraud, proof of identity, proof of residency, the police report filed with the local police department, as well as the Identity Theft Victims ' Complaint and Affidavit from the Federal Trade Commission. This information has been sent to Macy 's on three separate occasions by postal mail, fax and XXXX. I received a letter from Macy 's Macy 's on XXXX XXXX, XXXX confirming their receipt of all information requested. Macy 's has refused to close the account and remove it from my credit reports. Macy 's sent the account to XXXX XXXX XXXX , XXXX " XXXX '' in XXXX XXXX. I received a letter from XXXX on XXXX XXXX, XXXX demanding payment. I sent XXXX the following letter via XXXX on XXXX XXXX, XXXX. I have not received any correspondence from either Macy 's or XXXX since then nor have they removed the fraudulent information from my credit reports. 

Letter : XXXX/XXXX/XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX RE : Department Stores National Bank / Macy 's Account # Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with Department Stores National Bank / Macy 's. This debt is not mine. In accordance with the Fair Debt collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify Department Stores National Bank / Macy 's that the debt is the result of identity theft. 

The credit card used to charge these items was opened without my authorization by someone using my sensitive personally identifying information. 

Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. 

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigator 's summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. Notify the original creditor that the debt is the result of identity theft ; 2. Stop collection proceedings against me ; 3. Cease reporting this information to the credit reporting agencies ; 4. Provide me with the information I am requesting ; and 5. Take all actions required of you as a furnisher of information to credit reporting agencies. 

Thank you for your cooperation. 

Enclosures : Proof of Identity Proof of residency FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information Police Report filed with the County Sheriff 's Department Macy Statement of Fraud Letter from Macy 's acknowledging receipt of Statement of Fraud.