Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Complete Credit Solutions, Inc.

Complaint:
In XX/XX/2021 I received a notification from a credit monitoring service that a collection had been added to my credit profile ( without prior notification ) and I immediately pulled my report to review the entry. Upon review of the entry I did not recognize the name of the creditor or the original company that it was reporting and immediately contacted COMPLETE CREDIT SOLUTIONS. 

In XX/XX/2021 COMPLETE CREDIT SOLUTIONS provided me with information from the original creditor to indicate the name, address and personal details of what was purchased and the dates which further indicated that these items were not in fact ordered to me. The information provided an address, contact information, employment information and purchase item history that were not mine and had never been associated with my name is any way. 

I responded to COMPLETE CREDIT SOLUTIONS in XX/XX/2021 and informed them that they were improperly assigning this debt to me and that none of the information provided was mine. In good faith, to prove my identity and allow them an opportunity to properly investigate the matter, I supplied them with proof of my identity in the form of my drivers license and a utility bill and requested for them to remove the erroneous information from my credit report. I did not receive a response from the company to my dispute from XX/XX/2021. 

As I did not receive a response from COMPLETE CREDIT SOLUTIONS, in XX/XX/2021, I filed a formal dispute with the credit bureaus to dispute the account and provided all of my communications, documentation and proof of receipt of my communications ( sent via certified mail ). COMPLETE CREDIT SOLUTIONS responses to the credit bureaus that the debt was in fact accurate, but failed to provide notification to me or any documentation of their verification process or how they came about the assumption that the debt was in fact accurate. 

In my communications, I have clearly stated that I do not, nor have I ever had an account, or authorized my data to be used to open an account with any COMPLETE CREDIT SOLUTIONS or a Purchasing Power ( the original creditor name on the receipt provided ). I have never lived at the address provided or held a phone number that they had listed on the receipt. Additionally, the employment information listed is also not mine and has never belonged to me. The only accurate piece of information provided were my name and social security number, which were obviously stolen to make this purchase and wrongly assigned to me. I provided proof of my identity and documentation, which has been ignored. 

COMPLETE CREDIT SOLUTIONS has violated several consumer laws and regulations in regards to the FCRA including :

1. I was not notified of this debt of given an opportunity to resolve this false account prior to it being added to my credit file.

2. The information does not belong to me, however COMPLETE CREDIT SOLUTIONS has refused to provide validation of the debt or my identity, despite being provided official documentation.

3. COMPLETE CREDIT SOLUTIONS has refused to respond to my letters or provide any validation documents, but falsely verified the account as accurate in XXXX to the credit bureaus. 
4. Improper use of my report. FCRA requires any company to have a legally permissible purpose to obtain your credit report. In XX/XX/2021 COMPLETE CREDIT SOLUTIONS accessed my credit report illegally without my consent, causing a hard inquiry to be placed permanently on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation