Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MO

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Template Date : XX/XX/year> Complainant Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : [ XXXX XXXX XXXX ] Email : [ XXXX XXXX XXXX ] Company : MRS BPO , LLC XXXX XXXX XXXX ( XXXX  ) Issue : Identity Theft / Incorrect Credit Reporting / Unlawful Collection Description of Complaint : The account in question was fraudulently created under the name 'XXXX XXXX, ' a name I have never legally used or authorized. This name is not associated with my Social Security number through the SSA or DMV, yet XXXX  ( XXXX XXXX ) opened an account using that name and tied it to my Social Security numberwithout my knowledge or consent. 

I did not initiate or authorize this account. When I contacted XXXX  and later MRS BPO ( the collection agency now attempting to collect on the debt ), I informed them that the name was invalid and the account unauthorized. I was ignored. Instead of correcting the error, they proceeded to report the debt to credit bureaus under my Social Security number for a total of {$1000.00}. 

A representative attempted to claim that I had 'acknowledged ' the debt simply because I confirmed that it appeared on my credit report. That is false. Acknowledging the presence of an error is not the same as accepting responsibility. I made it clear that I did not open the account and that I needed help removing it. 

Upon contacting the company to dispute the account, I spoke with a representative who was dismissive of my concerns. I informed her that the name on the accountXXXX  XXXX invalid and not legally associated with me. Despite this, she attempted to claim that I had 'acknowledged ' or accepted responsibility for the account. That is entirely false. Acknowledging that the account appeared on my credit report is not the same as admitting ownership or liability. 

Even if any equipment, bills, or legal documentation had been sent to me, I would not have been able to legally accept them. My government-issued credentialssuch as my ID, drivers license, and Social Security recordsdo not display the name XXXX XXXX, and I have never held legal authority to transact under that name. Therefore, any account opened in that name and tied to my Social Security number was unauthorized, invalid, and a direct violation of identity verification protocols. 

It is also critical to note that at no point was the account corrected, modified, or transitioned into my legal identity in a way that would have authorized me to access, manage, or take control of it. I was never given the opportunity to legally assume responsibility, nor was I ever provided a path to correct the name on the account. I had no legal authority over the services tied to that account, and yet it was still reported against my Social Security number, without correction or remedy. This further reinforces that I was treated as liable for a debt tied to an identity that was never mine. 

Despite the fact that I paid off the phones and made payments out of fear of negative consequences, XXXX refused to update the account to reflect my legal name. They accepted my moneywithout hesitationbut rejected my requests to correct the name on the account. As a result, all equipment, bills, and communications were sent under a name I do not legally possess. The account was originally created using my Social Security number and an invalid name, yet I was never granted legal control over the account. This is a clear abuse of consumer trust, a failure of identity verification, and a violation of my rights under the Fair Credit Reporting Act. Their willingness to accept payments while refusing to legitimize my identity is not just unethicalit is evidence of systemic negligence and exploitation. 

Additionally, this account was created during the COVID-19 pandemic, a time when XXXX received federal broadband subsidies to provide internet access. They took public funds while bypassing proper ID verification, then turned around and aggressively pursued consumers for repayment once those programs endedincluding individuals like myself who never legally authorized any service. 

Requested Relief : - Immediate deletion of the account from all credit bureaus - Cease and desist all collection activity - Written confirmation of resolution- Regulatory investigation and penalties for FCRA violations and mishandling of identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief