Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This letter serves as a formal dispute of the inaccurate and unlawful reporting of late payments associated with the alleged account in my name. Your company is currently in violation of multiple federal and state consumer protection laws by reporting derogatory credit information without providing adequate documentation, validation, or legal authority. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., data furnishers are legally obligated to report only accurate and verifiable information to the credit reporting agencies ( CRAs ), including XXXX XXXX XXXX, XXXX, and XXXX. Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), information that is known or believed to be inaccurate can not be furnished to CRAs. 
Additionally, according to XXXX XXXX. XXXX ( b ) of the Fair Credit Billing Act, a creditor may not report a payment as delinquent if the consumer has submitted a written dispute regarding the amount or validity of the charge within XXXX days of the billing statement. If you have continued to report late payments while this matter is under formal dispute and without proper validation, that constitutes an unlawful act under federal law. 
Further violations include noncompliance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which requires any debt collector to provide proper validation of the alleged debt upon request. As such, I formally demand the following : A signed and executed purchase agreement or original contract bearing my signature that legally binds me to any obligation with your company. 
A full chain of assignment showing legal transfer of the debt from the original creditor to XXXX XXXX. 
A complete ledger or accounting record itemizing the full history of the alleged debt, including all transactions, payments, fees, and interest. 
Moreover, under Georgia state law, including the Fair Business Practices Act ( XXXX. XXXX ), it is illegal to engage in unfair and deceptive acts or practices. Reporting unverifiable derogatory information without substantiating legal documentation constitutes such an act. Continued violations can result in civil penalties of up to {$5000.00} per violation, plus treble damages in a private cause of action under XXXX. XXXX. 
XXXX XXXX is a XXXX-party entity with no lawful enforcement authority to act as a judicial officer, debt enforcer, or to independently report derogatory tradelines without proper and verified legal basis. Any continued reporting of negative information without full compliance with the above-referenced laws constitutes willful and negligent noncompliance, subjecting your company to liability under XXXX XXXX. XXXX and XXXX, including statutory damages, punitive damages, and attorneys fees. 
If this matter is not resolved within XXXX business days from the date of this letter, I will proceed to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney XXXX XXXX, as well as seek legal remedy in civil court if necessary.

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