Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kentucky Higher Education Assistance Authority
State: IN

Complaint narrative:
Affidavit of Rescission and Demand for Removal of Fraudulent Account Date : XXXX XXXX XXXX Date of Fraudulent Closed Account : XX/XX/year> Rescission of Alleged Debt and Demand for Removal of Fraudulent Account due to Social Security Data Breach Whom It May Concern : I, the undersigned Affiant, being of sound mind and over the age of XXXX, hereby declare under XXXX that the following statements are true, correct, and made of my own personal knowledge, and if called upon to testify, I can competently testify to the facts as stated herein : XXXX. Background Information : - I am the equitable title holder and beneficiary to the estate of the account in question. - I have recently become aware of a data breach involving the sale of Social Security numbers and other sensitive personal information of virtually every American, including myself, by hackers from XXXX XXXX XXXX. This breach has been reported by multiple sources, including the XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX : - According to reports, a notorious hacking group claimed to have stolen a vast amount of sensitive personal information from XXXX XXXX XXXX, a major data broker. Approximately XXXX months later, a member of this group released most of this data for free on an online marketplace for stolen personal data. - The breach includes Social Security numbers and other sensitive data that could be used for identity theft, fraud, and other criminal activities. XXXX XXXX, consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has emphasized the severity of this breach and its potential to enable criminals to take over accounts, create fraudulent accounts, and commit various crimes. XXXX. Implications of the XXXX XXXX : - The compromised data, which includes my Social Security number, date of birth, mailing address, and other personal information, puts me at high risk of identity theft and fraud. This breach significantly undermines the legitimacy of any accounts or debts purportedly associated with my identity. XXXX. Rescission of XXXX XXXX : - Due to the substantial risk posed by this data breach, I hereby rescind any and all alleged debts or accounts that have been created, assigned, or transferred in my name or associated with my Social Security number without my explicit and verified consent. - Specifically, I demand the immediate removal of any and all accounts, records, or claims of debt allegedly held by KENTUCKY HIGHER EDUCATION against me. Any such accounts are hereby deemed fraudulent and XXXX XXXX XXXX. XXXX. Demand for Immediate Action : - I demand that KENTUCKY HIGHER EDUCATION immediately cease all collection activities, reporting to credit bureaus, or any other actions related to the alleged debt associated with my identity. - Additionally, I require written confirmation that the fraudulent account has been removed and that no further actions will be taken by KENTUCKY HIGHER EDUCATION against me concerning this matter. 6. Notice to All Banks and Financial Institutions : - Be advised that all bank and bank officials operating within the State of Indiana are hereby notified that any claim presented by any officer of the UNITED STATES or the STATE OF INDIANA pretending an interest in the private property assets of XXXX XXXX or seeking to withdraw deposits under the authority of the Dodd-Frank Act is strictly prohibited by Public Law of the XXXX. - Any bank complying with such demands will be subject to liquidation, and any banker aiding or abetting the unlawful conversion of private assets for the benefit of the XXXX, doing business as XXXX XXXX XXXXXXXX, will be prosecuted to the fullest extent allowable under American Common Law.

Company response to consumer: Closed with explanation