Consumer complaint received 2025-06-27 00:00:00
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: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I am demanding resolution of this matter regarding a judgment associated with an account from XXXX XXXX XXXX. I have already disputed this judgment clearly and in writing yet instead of any legitimate evidence or documentation, all Ive received from XXXX are useless billing statements that prove absolutely nothing. These statements are not evidence of ownership, not proof of any agreement, and do not validate any connection between me and this account. They are nothing more than automated printouts and do not satisfy legal or investigative requirements under federal law. I did not open this account. I did not authorize it. I never used it. I never benefited from it. This is a clear-cut case of identity theft, and I have already taken the proper legal steps to document that. I have filed an official FTC Identity Theft Report, submitted a police report, and provided both to the court and to the credit reporting agencies as supporting evidence. These are not casual claims I have taken formal action because this account and this judgment are based on fraudulent activity that has nothing to do with me. Despite this, I continue to be ignored. XXXX has made no effort to provide the original signed contract, application, or any form of proof that I agreed to or had any knowledge of this account. Under the Fair Credit Reporting Act, this is not just unacceptable it is unlawful. Specifically : 15 U.S.C. 1681b prohibits reporting of any account without a legally valid permissible purpose, and I never gave authorization or consent. 15 U.S.C. 1681e ( b ) mandates the maintenance of maximum possible accuracy, which clearly has not been followed here. 15 U.S.C. 1681i requires a reasonable reinvestigation, and I have yet to see a single shred of valid documentation supporting this debt after formally disputing it. Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information resulting from identity theft which I invoked properly by providing the required identity theft reports. XXXX continued failure to validate this judgment opens the door to civil liability under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. The court has also been provided with my Affidavit of Identity Theft, my FTC report, and my police report. I submitted these in good faith to show that I am not responsible for this account, and I have received no legal notice or opportunity to dispute this before the judgment was entered. That in itself is a due process violation. I have fulfilled my legal obligations and provided every necessary document to prove this account is fraudulent. XXXX, on the other hand, has produced nothing but automated billing printouts that do not hold up under the law or prove any connection to me. This continued reporting and enforcement of a judgment on an account that was never mine is unjust, illegal, and deeply damaging. I am demanding that this judgment be fully vacated, and that this account be immediately and permanently deleted from my credit report. You have no valid proof tying me to this debt. If this is not resolved promptly, I will pursue every legal remedy available for damages, violations, and emotional distress caused by this reckless and baseless judgment.

Company response to consumer: Closed with explanation