Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX  a person by the name of XXXX XXXX used my social security number without my authorization or consent to open up an account with XXXX XXXX also currently known as XXXX. I have no knowledge of this person, nor do I have any association with them. Using the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, the account was opened using her name and my social security number. The email associated with the account was XXXX. The account was disconnected in XXXX XXXX XXXX  and the balance left on the account was {$380.00}. Recently I received a notice of a collection on my credit report from XXXX XXXX XXXX. I contacted XXXX XXXX at their office who advised me to file a police report and to contact XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX Department on XX/XX/XXXX of XXXX and made a police report for identity theft. The police XXXX 's name was XXXX XXXX with the ID number of XXXX. The police report number is XXXX. I also contacted the XXXX XXXX department and spoke with their level XXXX security representative named XXXX. Her direct line is XXXX. I submitted my driver 's license, a current utility bill, a utility bill from XXXX, and a fraud packet I filled out to prove I am not that person and do not owe the debt. Currently I have a fraud protection alert on my credit although this was not in place for XXXX so the debt was placed recently by XXXX XXXX XXXX on behalf of XXXX XXXX even though I have proven that I am not this XXXX XXXX individual and have never lived at those apartments. I also spoke to XXXX XXXX who is the property XXXX for the property listed above. He has no record of me living in the apartments listed because it was XXXX XXXX who has lived there and opened up this account without my consent or knowledge. XXXX has had several data breaches which could also be the result of my social security being used. XXXX XXXX was negligent in allowing this person to open an account using my social without verifying her identity which would show it does not match me. They have continued their negligence by keeping me on the phone for hours and making me jump through hoops to remove the fraudulent charge from my credit report. As of today XXXX XXXX XXXX the charge remains although I have fully cooperated extensively. XXXX XXXX does not do their due diligence before assigning accounts or when collecting debts when it comes to verifying identity. XXXX XXXX wants me to find more bills from the exact date of when this person opened up an account. They accused me of needing to protect my identity better placing the blame on me as their current customer instead of the identity thief. XXXX XXXX XXXX won't do anything until XXXX tells them too which is the result of a holding pattern of no one getting anything done. Meanwhile my credit on my credit report is damaged causing me extensive stress and hours of work missed on the phone asking for help with no resolution at hand.

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