Consumer complaint received 2024-11-06 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: Millco Management
State: FL

Complaint narrative:
AmeriFinancial Solutions LLC Subject : Second Request for Debt Validation and Notice of Identity Theft Affidavit To Whom It May Concern : I am writing to formally request that AmeriFinancial Solutions LLC validate the alleged debt reported in my name. This is my second request for validation of this debt, and I expect full compliance with federal laws, specifically the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1692g and relevant sections of the FCRA, I am entitled to request documentation that proves the validity of this debt, including any signed contracts or agreements that legally obligate me to repay this alleged debt.

1. Request for Validation of Debt Please provide : Documentation proving that I owe this debt, including original signed agreements with either AmeriFinancial Solutions LLC or the original creditor. 
A full accounting of the debt, including the principal, interest, fees, and any other charges. 
Verification that you are legally entitled to collect this debt in my state.

Without such documentation, under FCRA 15 U.S.C. 1681, any item related to this alleged debt must be removed from my credit report. In cases where documentation can not be provided, courts have ruled in favor of the consumer, holding that lack of evidence invalidates the debt ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ). 

XXXX. Identity Theft Notification I have reason to believe that this debt is the result of identity theft. Enclosed with this letter is an identity theft affidavit filed with the Federal Trade Commission ( FTC ). Under the FCRA, specifically 15 U.S.C. 1681c-2, upon receipt of this affidavit, you must stop reporting this account to the credit bureaus within four days. Any failure to comply with this legal requirement may constitute a violation of my rights under the FCRA, subjecting AmeriFinancial Solutions LLC to possible legal action for damages as specified under 15 U.S.C. 1681n and 1681o. 

Please be advised that continuing to report this debt after receiving this identity theft affidavit may also lead to additional claims, as supported in XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court affirmed a consumer 's right to take action against agencies that fail to comply with FCRA regulations. Similarly, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), reinforced that credit agencies must take reasonable measures to ensure the accuracy of reported information, particularly in cases involving fraud or identity theft. 

XXXX. Demand for Deletion if Validation And Deletion Please provide me with documentation proving that this debt is mine and delete and or remove the account called Amerifinancial Solutions from my credit report immediately. If you fail to comply with any or all of these requests then I may be forced to take legal action against your company to get the matter resolved which includes having this fraudulent account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation