Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: KS

Complaint narrative:
XX/XX/XXXX I seen that this account was on my Credit report. It says that it was opened XXXX of XXXX. All of my Credit reporting accounts are frozen due to multiple Data breaches in XXXX  and XXXX since XXXX and ID Theft Fraud. I was never notified of a new account with XXXX XXXX And XXXX and Submitted a dispute with the BBB, Experian, XXXX in XXXX and XX/XX/XXXX. I said that they didn't have written permission or a signed contract with me giving them permission to give information to the Credit reporting agencies.I never received any document showing my written consent. XXXX XXXX and The Credit Bureaus are violating my Federally protected Consumer rights and confidentiality under 15 USC 1681. How is it possible to open an account without my written consent. My credit profile is Frozen and I have no hard Inquiry for this company, stating that I opened the account in XX/XX/XXXX. This is a violation as it is unverified and incorrect. According to 15 USC1681i ( 5 ) they are suppose to Delete accounts that aren't reporting correctly. I filed a complaint against the Credit reporting agencies about XXXX XXXX not having my written permission to the BBB on XX/XX/XXXX. I have disputed this Negaitve report on my Credit file multiple times but each time it comes back as verified when it hasn't been verified and no contract and or proof has ever been provided. For a company to provide no proof that I was notified of a newly created negative account openened by XXXX XXXX in XX/XX/XXXX on my Frozen Credit Report is very concerning. This is Fraud and XXXX XXXX and the Credit Bureaus are in violation of both FCRA and FDCPA. In an effort to better understand the specifics of the current situation, I kindly request additional information. Could you please provide details on the nature of the debt, including the total amount owed, any applicable interest or fees, the date that the debt was purchased by XXXX XXXX, the purchase amount of the debt if it was sold, the total retainer amount for recovery of debt by XXXX XXXX. Furthermore, to grab acomprehensive understanding of the situation, I would appreciate it if you could furnish the original signed contract related to XXXX XXXX that allowed a new account that was opened on XX/XX/XXXX on my Frozen Credit report that Iwas never made aware of. This abhorrent disregard for the FCRA and FDCPA constitutes as fraud and Identity Theft. I am interested in any authorization or documentation that verifies your agencys representation on behalf of XXXX XXXX. I have no recollection or records showing any signature, affirmation, acceptance or notification of dealing with XXXX XXXX and XXXX that gives you the right to report on my credit reports for the " Negative Unverified Debt '' reported opening date of XX/XX/XXXX this file on my credit report.To the best of my recollection, I have no debts with any of you. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation