Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
A complaint was filed with the FTC for identity theft and OCC for misconduct. I have no recollection of any business transaction with " XXXX XXXX ". VANCE AND HUFFMAN provided an electronically signed contract as proof of account but I NEVER initiaited a phone call doing business with XXXX XXXX OR VANCE AND HUFFMAN. Currently these " organizations are reporting a delinquency with the balance of {$1100.00} major credit reporting agencies. The CFPB removed a tradeline XXXX XXXX another third party agent acting on behalf of XXXX XXXX ( ORIGINAL CREDITOR ) .In fact, both are acting in bad faith and a report was made as advised to the FTC XXXX currently pending. Now that I am aware of this tradeline unlawfully reporting on my consumer report. I would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies.Any information used to create this tradeline on my credit report and tax documentation filed for cancellation of debt from original creditor. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this tradeline on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States *. * * *, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. Transunion has removed the account over 6 times within the past year from collection attempt from VANCE AND HUFFMAN! I'm disturbed with the credit reporting debt collection tatics and I need help... If you delete this tradeline and provide payment for {$1100.00} tradeline, I will drop my claim against the companies. Per Vance and huffman request FTC report number for identity theft- XXXX. The tradeline is no longer reflecting on XXXX XXXX XXXX  However, XXXX is acting bad faith inaccurately reporting debt without consumer consent. I will file another complaint with the FTC with updated information received from my credit specialist. I never provided verbal consent or signature condemming me to a contract with VANCE AND HUFFMAN OR XXXX XXXX. I will seek ligitiation small claims court regarding the matter and request the recorded call confirm my consent for the account opening.

Company response to consumer: Closed with explanation