Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
The following was sent out via email after the collection agency provided me with the loan document showing where someone used my name and a different address and phone number. Collection Agency said they would send me an affidavit and a week later when I inquired said that they did not say that but instead were going to send it to their legal department. The email send was as followed minus personal information ; I am writing to demand immediate resolution regarding a fraudulent account that Williams & Rush & Associates is reporting against me and which is negatively impacting my credit profile. 

I have previously communicated with your representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, who : Provided me with documentation I identified as fraudulent, including references to a XXXX XXXX residency, an incorrect phone number, and a signature that is not mine. 
Confirmed these discrepancies and promised to send me an affidavit of fraud, which I agreed to sign. 
Later contradicted her own statements by refusing to provide an affidavit and stating the matter had been passed to your legal department, without providing a point of contact. 

Additionally, the information Williams & Rush has on file for me is factually inaccurate and further proves this account is fraudulent : The email address listed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) did not exist until XXXX. 
The residential address you have on file did not become mine until XXXX. 
Yet your documentation references both in connection with alleged account activity from XXXX. 

This is verifiable evidence that the account does not belong to me. 

For clarity, I have preserved and am attaching : Full email correspondence with XXXX XXXX, including delivery and read receipts. 
Fraudulent documents that were sent to me ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  ), all of which contain false personal information. 
Audio recordings of my conversations with XXXX XXXX, confirming her contradictory statements. 

XXXX XXXX XXXX XXXX XXXX XXXX  summarizing all evidence. 
I am requesting the following actions, in writing, within 10 business days : Immediate deletion of the fraudulent account from all credit bureaus.

Acceptance of a signed fraud affidavit ( yours or mine ).

Written confirmation of a resolution plan and the name of a responsible point of contact.

Notification to me and to the credit bureaus once the fraudulent tradeline has been removed.

If this matter is not resolved promptly, I will retain legal counsel and seek reimbursement for attorneys fees and damages caused by Williams & Rushs continued reporting of this fraudulent account.

Be advised : In addition to this email, I am also sending formal letters and complaint packets to the following agencies to ensure full visibility into this matter : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  Attorney General Consumer Protection Division XXXX XXXX XXXX Attached for your immediate review are the supporting documents, screenshots, exhibit packet, and audio recordings. These collectively demonstrate the fraudulent nature of this account and your companys failure to act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation