Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On or around XX/XX/XXXX I was first contacted via telephone message which was orignially left with my mother XXXX XXXX at an address and phone number I have not been associated with for well over ten years. In an effort to find out what they were attempting to make contact with me I called the number provided. 

I was informed in a brief conversation from an employee at Rash Curtis & Associates that I owed on a debit in the amount of {$9700.00}. Before I would allow the associate to go anyfurther I demanded a copy of the debit and alligations be sent to me for my review. 

Approximately one week later I recieved an Account Statment issued by the Debit Collector outlining a debit for XXXX on or around XX/XX/XXXX some eight years after the original claim. Knowing I never had such an account I sent the matter over to my legal counsel for review and guidance on the set forth matter. 

According to my legal counsel he first started by contacting the named Creditor : XXXX. only to be instructed that the account in question if was valid had been archived due to the age of the claim. Secondly according to the information availiable the bond in question was exonerated on or around XX/XX/XXXX by the creditor. With this information we contacted the CA Insurance Commissioners Office in XXXX who notifed us that bonds can not be collected on if in fact they were exonerated. 

Moving forward, upon the review of the file it was determined that the bond inquestion was written for a person holding the same name but never varified or authenticated. 

Upon receiving this information and within the orignial 30 days of notifciation by the FCRA I notified Rash Curtis and Associates of our findings along with forally notifying the copany of the dispute based on account not validated as to belonging to me, lack of proof provided by Rash Curtis, and I demanded prooof be supplied with thirty days of the letter providing contrary proof of the claim. I also instructed Rash Curtis & Associates all sent VIA US Mail with a signature guarantee to stop contact and all correpondence must be initated via US MAIL. 

Subsequesntly for the next sixty days I fel the matter in question was concluded until I started receving call and call at home, work, my cell phone, and family members all starting on or around XX/XX/XXXX to present. In addition to the flagrant disregard for the law I received an email and was provided a copy of a recent credit inquiry Rash Curtis & Associates rendered on XX/XX/XXXX without my consent or any prior business relations with to show cause. 

Despite my continuous efforts and a compelling paper trail supporting this false claim Rash CUrtis and their associates continue to flagrantly break laws in an effort to bully consumers on a zompie account which has exhausted it CA Four year statue of limitations on collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation