Consumer complaint received 2025-01-18 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: Zions Debt Holdings
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX XXXX breach, my personal information has been compromised, including 6 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain. Details of the Breach : The XXXX XXXX  breach exposed the following elements of my personal information : Full name Social Security Number Date of birth Address history Employment information Financial account numbers The breach directly led to the misuse of my information, resulting in unauthorized accounts and inquiries on my credit report. I am including supporting documents ( my FTC Identity Theft Report, and proof of breach notification ) to substantiate my claim. Disputed Items : XXXX XXXX XXXXACCOUNT XXXX XXXX XXXX XXXX XXXX- ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX Zions Debt- ACCOUNT # XXXX This accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request this item be blocked from my credit report. Actions Requested : 1. Immediate Investigation : Conduct a thorough review of the disputed items and provide a written response outlining the findings and actions taken. 2. Removal of Fraudulent Information : Per FCRA 611 and 6058, remove or block all disputed items from my credit report within the required time frame .. 3. Fraud Alert : Extend or renew the fraud alert on my file to ensure that creditors are aware of the identity theft incident. Furthermore I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). I have reason to believe that my credit report has been subjected to improper investigations or reporting practices. These actions, which fail to meet the reasonable investigation standards mandated by the FCRA, have resulted in the inaccurate reporting of my credit information. In addition, I assert that XXXX and XXXXXXXX XXXX handling of my credit file may be violating my privacy rights as outlined in the FCRA, which mandates that consumer reporting agencies must respect my privacy and ensure that the information they report is accurate and complete. I request a prompt resolution of this matter and that a corrected version of my credit report be sent to me within the timeframe required by the law. If you are unable to verify the accuracy of the disputed item ( s ), I expect them to be removed immediately. Please also confirm that any inaccurate or unverifiable information will not continue to be reported on my credit file. Thank you for your attention to this matter. I look forward to your prompt response. The charges appeared XX/XX/XXXX for the following amounts : XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  - {$3800.00} XXXX XXXX XXXX {$3700.00} Zion 's Debt - {$1200.00} Actions Requested : 1. Immediate Investigation : Conduct a thorough review of the disputed items and provide a written response outlining the findings and actions taken. 2. Removal of Fraudulent Information : Per FCRA 611 and 6058, remove or block all disputed items from my credit report within the required time frame .. 3. Fraud Alert : Extend or renew the fraud alert on my file to ensure that creditors are aware of the identity theft incident. Furthermore I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). I have reason to believe that my credit report has been subjected to improper investigations or reporting practices. These actions, which fail to meet the reasonable investigation standards mandated by the FCRA, have resulted in the inaccurate reporting of my credit information. In addition, I assert that XXXX and XXXXXXXX XXXX handling of my credit file may be violating my privacy rights as outlined in the FCRA, which mandates that consumer reporting agencies must respect my privacy and ensure that the information they report is accurate and complete. I request a prompt resolution of this matter and that a corrected version of my credit report be sent to me within the timeframe required by the law. If you are unable to verify the accuracy of the disputed item ( s ), I expect them to be removed immediately. Please also confirm that any inaccurate or unverifiable information will not continue to be reported on my credit file. Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation