Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
On XX/XX/year>, I received a response from XXXX XXXX  XXXX, XXXX. to a debt validation request I submitted under my rights provided by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). The collectors XX/XX/XXXX letter stated : Pursuant to your dispute and for the limited purpose of verifying the above referenced debt, I write to verify that XXXX XXXX, XXXX. claims that {$11000.00} remains due and owing in the above referenced matter. The name and address of the original creditor is XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The validation provided consisted only of billing statements associated with the account in question. The firm did not provide any signed contracts, applications, or other legal documentation establishing that I am contractually obligated to XXXX XXXX for this debt. There was no competent evidence proving I am the responsible party. This response is inadequate under the FDCPAs validation requirement ( 1692g ( b ) ), which requires collectors to provide sufficient evidence of the debt before resuming collection activity. Statements alone do not establish the existence of a valid and enforceable debt. Furthermore, I have already submitted both a valid FTC Identity Theft Report and a Fraud Affidavit, establishing that I am a victim of identity theft in relation to this alleged account. By continuing to pursue this debt without proper validation, despite my identity theft filing, XXXX XXXX  XXXX actions appear to violate not only the FDCPA, but also the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), which requires debt collectors and furnishers to cease reporting or collecting on fraudulent debts once proper identity theft documentation has been provided. Their conduct may also constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531Specifically, I am requesting : That XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX, XXXX. be directed to cease all collection activity until such time as they can produce competent legal evidence establishing the validity of this debt. That all negative credit reporting associated with this account be removed immediately from my consumer credit files in compliance with the FCRA and the documentation I have provided. That the CFPB hold XXXX XXXX  XXXX accountable for attempting to continue collection on a debt that lacks validation and that has been credibly disputed as the result of identity theft. That I be provided with written confirmation of the corrective actions taken. Supporting documents attached include : XXXX XXXX  XXXX XX/XX/year> response letter. My original Debt Validation Request. My FTC Identity Theft Report. My signed Fraud Affidavit. This complaint demonstrates a pattern of disregard for federal consumer protection laws, despite my compliance in providing all required identity theft documentation. I ask that this matter be resolved promptly and that stronger enforcement actions be considered to prevent further violations.

Company response to consumer: Closed with explanation