Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Hello, I am filing this formal and urgent complaint against one or more entities that have reported a fraudulent tradeline on my credit report. I am the victim of identity theft and ongoing misconduct that I now believe may constitute federal crimes under multiple U.S. Code statutes. 

A debt accounttotaling {$130.00}, and showing a suspicious {$1.00} paymentwas added to my credit file without my knowledge, consent, or participation. I did not open this account, authorize it, or recognize the creditor in any way. I have never received services, statements, nor agreed to any repayment related to this account. 

I disputed the tradeline with the credit bureaus, but they improperly " verified '' it. No evidence has been presented to me. The parties involved have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to reasonably investigate and remove fraudulent data. The supposed {$1.00} payment appears to be a fabricated transaction intended to manipulate the statute of limitations and prolong the life of a false debt. 

IDENTITY THEFT AND WIRE FRAUD FEDERAL CRIMES I am alleging that this conduct constitutes not just civil harm, but criminal activity, and I am requesting that the CFPB : - Refer this complaint to the Federal Bureau of Investigation ( FBI ) - Contact the Department of Justice if appropriate - Coordinate with my State Attorney General, who has not responded to a previous complaint filed over a month ago This case involves : Wire Fraud ( XXXX XXXX. XXXX ) The false debt, verification, and transmission of credit data occurred via electronic systems that cross state lines ( internet-based credit reporting, email, automated dispute resolution systems ). This meets the criteria for wire fraud, a federal felony punishable by up to 20 years in prison per count. 

Any scheme to defraud another using interstate electronic communicationincluding submitting or verifying false credit informationis prosecutable under federal law. 

Identity Theft ( XXXX XXXX. XXXX & XXXX ) My personally identifying information was used without my knowledge or consent. Under federal law, the unauthorized use of someones identity to commit fraud or obtain anything of value is identity theftand if done in furtherance of another felony ( such as wire fraud ), it qualifies as aggravated identity theft, with mandatory additional prison time. 

XXXX. DAMAGES AND HARM Because of this false tradeline : - I have been denied housing - I am currently homeless- I have no access to stable income, public benefits, or healthcare - My mental and physical health are deteriorating - I may soon lose my only mailing address, making me further unreachable and vulnerable- This is not a mere clerical error. I am experiencing irreparable harm to my life and safety, directly caused by this misconduct. 

XXXX. LEGAL VIOLATIONS FCRA AND BEYOND The parties involved have likely violated : Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) XXXX Failure to reasonably investigate my dispute XXXX ( b ) Furnishers must investigate disputed information XXXX Willful noncompliance ( eligible for punitive damages ) XXXX Negligent noncompliance Other Relevant Laws XXXX U.S.C. XXXX XXXX fraud XXXX XXXX. XXXX Identity theft XXXX XXXX. XXXX Aggravated identity theft State consumer protection and fraud statutes ( pending investigation ) XXXX. WHAT I AM REQUESTING Immediate referral to the FBI, FTC, and DOJ for criminal investigation - CFPB assistance in contacting my State Attorney General to compel a response - Access to or referral for legal representation or legal aid services- Full investigation into the furnisher and the credit reporting agency 's conduct - Enforcement action against any party found to be willfully or negligently complicit - Restitution for damages suffered under FCRA, and support restoring my credit profile I am NOT simply requesting the removal of the tradelineI am demanding a criminal investigation and civil enforcement for the willful destruction of my livelihood. 

Thank you your time and help in this matter. 
- XXXX XXXX

Company response to consumer: Closed with explanation