Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: SC

Complaint narrative:
b"Thank you for the companys response, but I must respectfully clarify that I do NOT own this XXXX  account, I have never opened a XXXX  account, and I have already filed an FTC Identity Theft Report regarding this matter. None of the documents provided by Allied Interstate or XXXX  prove that I opened, authorized, or agreed to the account they claim belongs to me.\n\nThe documents the company attached do not validate the debt, nor do they establish that I was the individual who created the account. In fact, the documents raise serious concerns and actually support my identity theft claim rather than disprove it.\n\n1. The XXXX  billing statements do NOT prove identity or authorization\n\nThe company attached a XXXX  billing statement showing:\n\nAccount Number: XXXX XXXX XXXX XXXXAccount Holder Name: XXXX XXXXService Address: XXXX XXXX XXXX XXXX XXXXPast due balance: $XXXXThese documents only show that someone used my name, but they do NOT:\n\nProve I signed up for XXXXProve I lived at the service address\n\nProve I authorized XXXX  to open the account\n\nProve I agreed to the charges\n\nProve I ever received services\n\nProve identity verification was completed\n\nProve XXXX  confirmed the person opening the account was actually me\n\nA bill with my name on it is not legal proof of responsibility. Under federal law, a debt must be tied to validated identitynot just a name typed onto a statement.\n\nThese statements show billing activity, but not the creation, authorization, or acceptance of the account.\n\n2. No contract, no signature, no proof of identity  nothing validating that I opened the accountXXXXAllied failed to provide:\n\nA signed service agreement\n\nA digital or electronic signature certificate\n\nIP address used to open the account\n\nDevice ID\n\nIdentity verification logs\n\nPhone verification\n\nEmail verification\n\nDrivers license or ID verification records\n\nCall recordings\n\nInstallation technician notes confirming identity\n\nProof that I occupied or authorized service at XXXX XXXX XXXXWithout these, the company cannot claim the account belongs to me.\n\nUnder the FDCPA and FCRA, a bill in my name is not sufficient validation.\n\n3. XXXX  own documents show service at XXXX XXXX XXXX which does NOT prove I lived there or requested service\n\nThe billing statement shows a Service Address of:XXXX XXXX XXXX XXXX XXXX XXXXHowever:\n\nI did NOT authorize XXXX  services at that location.\n\nI did NOT sign any agreement.\n\nI did NOT request installation.\n\nI did NOT speak to XXXX  to open an account.\n\nI did NOT provide any payment information.\n\nA person committing identity theft can easily use someones name at a different or prior address  especially if the victim previously lived nearby or the address was accessible publicly.\n\nThe company provided no evidence tying me physically or contractually to the service address.\n\n4. The company admits I disputed the account but never provided validation\n\nIn the companys response, they stated:\n\nYou advised our agent of your dispute and we placed your account on hold at that time.\n\nThis statement acknowledges:\n\nI told them I do not own this account\n\nI disputed it immediately\n\nI did not confirm or accept the debt\n\nThey did not validate anything\n\nThis supports my claim, not theirs.\n\n5. The company claims notices were mailed, but provides no proof\n\nThey stated:\n\nA letter notifying you of the account placement was mailed.\n\nHowever:\n\nThey did NOT provide a copy of the letter\n\nThey did NOT provide proof of delivery\n\nThey did NOT provide a certified mail receipt\n\nThey did NOT provide logs showing it was sent\n\nThey did NOT show an email notification\n\nThey did NOT show a phone verification\n\nA company claiming they sent a letter is NOT proof the debt is valid, nor is it proof that I received or acknowledged it.\n\n6. The company claims to have closed the account after my dispute, but continued reporting\n\nThe company states:\n\nWe closed your account in our office at that time.\n\nYet:\n\nThe account STILL appeared on my credit\n\nThey reported it to multiple bureaus\n\nThey failed to block it under identity theft laws\n\nThey failed to stop collection activities\n\nIf they closed it, why did they continue to damage my credit?\n\n7. Identity theft requires the furnisher to BLOCK the account under FCRA  605B\n\nOnce I filed my FTC Identity Theft Report and provided notice, the company was required by law to:\n\nBlock the account\n\nStop reporting it\n\nStop collecting on it\n\nProvide documentation to the bureaus to remove it\n\nThe company did NOT comply.\n\n8. The attached XXXX  billing statement actually shows evidence of unauthorized activity\n\nOn page 1 of the bill, the statement lists charges for:\n\nUnreturned Equipment TV\n\nNew TV Charges\n\nTaxes\n\n\nThese are activities that typically occur:\n\nWhen an account is abandoned\n\nWhen a fraudster uses services and walks away\n\nWhen a fraudulent account is opened under a stolen identity\n\nThe pattern in the billing statement is consistent with identity theft.\n\n9. The companys narrative still does NOT explain how the account was opened\n\nThe companys response contains a timeline:XXXX XXXX Placed account in collectionsXXXX XXXX Mailed letterXXXX XXXX  Spoke with me about dispute\n\XXXX XXXX and XXXX: Received fraud disputes\n\nNone of this explains:\n\nWhen the account was opened\n\nWho opened it\n\nHow identity was verified\n\nWhether a contract exists\n\nWhether a technician verified identification\n\nWhether credit information was used fraudulently\n\nWhether the application was submitted online or by phone\n\nThey provided zero evidence linking me to the account creation.\n\n10. No technician notes, installation confirmation, or service activation logs were provided\n\nFor XXXX  service to be activated, there must be:\n\nA technician installation record\n\nA signed acknowledgment at the time of installation\n\nA technician's report including the person present\n\nSerial numbers of equipment installed\n\nConfirmation that the resident consented to service\n\nThe company provided NONE of this.\n\nWithout these, the account cannot be tied to me.\n\n11. The billing statement does NOT match the companys claim about dates\n\nThe billing statement shows a billing cycle beginning XXXXBut the companys CFPB response talks about actions occurring in XXXXThis discrepancy suggests:\n\nThe account existed long before I knew about it\n\nThe account was possibly created using old or incorrect information\n\nThe account activity does not align with my identity timeline\n\nThis further supports identity theft.\n\n12. A fair and lawful outcome requires immediate deletion\n\nSince:\n\nI do NOT own this account\n\nI have an FTC Identity Theft Report\n\nThe company did NOT provide a contract\n\nThe company did NOT provide a signature\n\nThe company did NOT verify identity\n\nThe company did NOT provide proof I lived at the service address\n\nThe company did NOT validate the account\n\nThe documents show inconsistencies\n\nThe account was NOT opened by me\n\nThe ONLY fair resolution is:\n\nImmediate deletion of this XXXX/Allied Interstate account from ALL credit bureaus, with written confirmation.\n13. Final Statement\n\nI repeat:\nI DO NOT own this account.\nI filed an FTC identity theft report.\nThe company has NOT proven the account belongs to me.\n\nThe documents they provided do not show:\n\nMy signature\n\nMy identity verification\n\nMy acceptance\n\nMy authorization\n\nA bill in my name is NOT legal proof of ownership.\n\nTherefore, I request that this account be fully removed, permanently blocked, and never reinserted."

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