Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am filing this complaint to report the ongoing misconduct and failure to cease collection efforts by TENALIA & HUNT, P.A., who continue to pursue legal action against me for a fraudulent XXXX XXXX XXXX account that I never opened, used, or authorized. I am a documented victim of identity theft, and this debt does not belong to me. This debt stems from a XXXX  scam where I was manipulated into what I believed was a cryptocurrency investment. I was deceived, my personal information was misused, and my money was taken. I became a victim of a sophisticated financial fraud that left me financially and emotionally harmed. Because of this, I hired a legitimate recovery agency that helps victims of financial scams and identity theft. I hired them because I was scammed, my funds were stolen, and I needed professional assistance to investigate what happened, identify where my assets went, and take the necessary steps to recover them. Their role is to help trace the stolen funds and work toward recovering what was taken from me. And I believe this is the reason this fraudulent account was created in my name as part of the scam that exploited my identity and financial information. Ive attached a copy of that contract to this complaint. And several months ago, I received court documents regarding a judgment ( XXXX ) of the same account and responded immediately by filing an answer and motion along with my FTC identity theft report, FTC consumer fraud report, FTC Victims Complaint and Affidavit, and POLICE REPORT to the court ( see attachments for these documents ). I also sent copies of these documents to Tenaglia & Hunt, P.A. Despite taking all appropriate legal and procedural steps to prove this, the case is still open, the account is still showing on my TransUnion credit report, and Im still being CONTACTED and told I need to pay for a debt that doesnt belong to me. After submitting everything to the court and Tenaglia & Hunt, P.A. ( including police report ), I am asking : WHAT ELSE DO THEY WANT FROM ME? How much more evidence do I need to provide before they finally acknowledge that this debt is not mine and stop pursuing me for someone elses crime? Ive complied with all procedures, and they continue to harass me, disregarding the clear proof of identity theft. This kind of conduct is irresponsible and cruel. The continued collection efforts are not just irresponsiblethey are unlawful. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, once I submitted a valid Identity Theft Report, both the furnisher and credit reporting agencies were obligated to block all information related to the fraudulent account within four business days. Tenaglia & Hunt, P.A. is also violating the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( b ), which bars further collection activity once a dispute and supporting documentation have been submitted, and 15 U.S.C. 1692c ( c ), which requires all communication to stop once a written cease request has been made. Their ongoing pursuit of a debt tied to identity theft is a direct violation of these federal protections and constitutes willful noncompliance. Their actions further subject them to liability under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA. I am again affirming that I am a victim of identity theft. I never opened or benefited from this Bank of America account. It is not mine. It must be deleted from my credit report, and Tenaglia & Hunt, P.A. must immediately STOP ALL COLLECTION ACTIVITY. I am requesting CFPB 's help in holding them accountable and ensuring this fraudulent matter is permanently resolved.

Company response to consumer: Closed with explanation