Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Duvera for reporting an unrecognized and fraudulent account on my XXXX and XXXX credit reports, with a balance of {$1700.00}. I have never opened, authorized, or agreed to this debt, nor have I ever received any prior communication from Duvera about it.

This is the first time I am disputing this account because I was unaware of its existence until I checked my credit report. Duvera has never sent me a bill, notice, or validation of this debt, yet they continue to report it as if I owe it.

At this point, I can only assume one of two things has happened. Either Duvera has incorrectly reported a debt I do not owe, without verifying its accuracy, or this is a case of identity theft, and Duvera has negligently allowed fraud to occur in my name. Either way, Duvera is reporting an account that should not exist, and this needs to be corrected immediately.

Since this is the first time I am hearing about this alleged debt, I am formally requesting that Duvera provide proof that this account belongs to me. They must provide a copy of the original signed application or contract proving I personally opened this account, a full account history including all billing statements, charges, and payments from account opening to charge-off, proof of goods or services provided and delivery confirmation showing I received any product or service related to this account, a copy of the original terms and conditions that governed this alleged agreement at the time it was opened, and a complete chain of custody and proof of ownership of the debt, including a notarized bill of sale proving Duvera has the legal right to collect this debt and all prior transfer agreements if this debt was sold or assigned to them.

I have never done business with Duvera, never signed an agreement, and have no knowledge of this debt. Duvera never contacted me before placing this account on my credit report. If this were a valid debt, I should have received a billing statement or notice. I have already submitted an identity theft report through XXXX, documenting this account as fraudulent. Duvera is reporting an unverified debt, which violates my rights under federal law. 

Since XXXX never provided me with any notice before reporting this debt, and this is my first dispute, they are now legally required to validate this account before continuing to report it. If Duvera had any legitimate proof, they would have provided it before placing it on my credit report. Their failure to validate this debt will confirm that it is fraudulent, and it must be removed immediately.

Because Duvera has failed to provide any prior notice or verification, I demand immediate closure of this fraudulent account and permanent removal of this account from my XXXX and XXXX credit reports. 

If Duvera refuses to remove this account despite their clear failure to validate it, I will escalate this matter by filing additional complaints with the Federal Trade Commission and my State Attorney Generals Office.

Company response to consumer: Closed with explanation