Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
This complaint is in regards to the account related to CEDAR BUSINESS SERVICES. This account is directly related to identity theft. The debt collector CEDAR BUSINESS SERVICES purchased a fraudulent account from XXXX XXXX  an is now reporting this fraudulent debt to XXXX XXXX XXXX XXXX experian XXXX report. The original creditor XXXX XXXX is where the fraudulent debt originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX XXXX report back in XX/XX/year> by experian. The debt collector CEDAR BUSINESS SERVICES purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my TRANSUNION consumer report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault CEDAR BUSINESS SERVICES purchased a fraudulent debt CEDAR BUSINESS SERVICES shouldve done their due dilligence before purchasing the fraudulent debt. This formal complaint is being submitted regarding the unauthorized and unlawful actions taken by This formal complaint is being submitted regarding the unauthorized and unlawful actions taken by CEDAR BUSINESS SERVICES, and their reporting of a fraudulent debt to the credit reporting agencies in violation of multiple federal statutes. The following outlines the facts, legal violations, and harm caused to me, the consumer, and their reporting of a fraudulent debt to the credit reporting agencies in violation of multiple federal statutes. The following outlines the facts, legal violations, and harm caused to me, the consumer. XXXX. Identity Theft & Fraudulent Accounts An unauthorized accounts were fraudulently opened in my name under PUBLIC STORAGE. I have never opened these accounts, nor authorized their creation. These accounts were charged off and sold to CEDAR BUSINESS SERVICES. I have filed an identity theft report with the FTC and I demand that these fraudulent accounts be removed from my credit report pursuant to 15 U.S.C. 1681c2.

2. No Consent to Report or Collect Debt I did not grant CEDAR BUSINESS SERVICES prior consent to report any debt to the credit reporting agencies. There was no court order authorizing such action. This violates 15 U.S.C. 1692c ( a ) which prohibits communication with third parties about a debt without consent or court permission.

3. False and Misleading Reporting CEDAR BUSINESS SERVICES failed to accurately mark the account as disputed and continued to report false information. This is a violation of 15 U.S.C. 1692e ( 8 ). Additionally, there is no signed contract between me and CEDAR BUSINESS SERVICES regarding this debt, rendering their reporting deceptive under 15 U.S.C. 1692e ( 2 ), ( 5 ), ( 10 ), and ( 12 ).

4. Failure to Investigate Disputes Despite my formal disputes, CEDAR BUSINESS SERVICES failed to properly investigate or validate the alleged debt. Continued reporting under these circumstances violates 15 U.S.C. 1681n and 1681o.

5. Financial and Emotional Harm Due to the actions of CEDAR BUSINESS SERVICES, I have suffered credit denials, loss of housing opportunities, stress, anxiety, and mental anguish. This constitutes actual damages under 15 U.S.C. 1692k ( a ) ( 1 ).

6. Unauthorized Use of Social Security Number CEDAR BUSINESS SERVICES used my Social Security Number without authorization in an attempt to collect and report debt, violating 15 U.S.C. 1644 ( a ).

7. Gramm-Leach-Bliley Act Violation I was not given the opportunity to opt out of data sharing or reporting, a violation referenced under the Gramm-Leach-Bliley Act and 15 U.S.C. 6802.

8. Legal Relief Requested I demand the immediate removal of the CEDAR BUSINESS SERVICES account from all credit reporting agencies under FCRA 1681c2. I further request an investigation into the actions of CEDAR BUSINESS SERVICES and all relevant parties for the aforementioned violations. I also reserve my right to pursue civil action for damages under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX

Company response to consumer: Closed with explanation