Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to report serious violations of federal law by the Department of the XXXX and the Department of the XXXX XXXX in connection with a debt that does not belong to me, which they have already acknowledged is not my debt, yet continue to penalize, collect, and report against me. 

This complaint concerns identity theft, knowing misattribution of a federal debt, and continued unlawful enforcement actions despite actual notice. 

Summary of the Issue The Department of the XXXX and XXXX XXXX have associated a debt with my name and personal information that I did not incur, did not authorize, and did not benefit from. This debt is the result of identity theft. 

Despite being provided with information confirming that the debt is not mine, the agencies have continued to penalize me, including but not limited to : Maintaining the debt in their systems Applying penalties and offsets Allowing negative credit reporting and financial harm to continue At this point, the agencies are acting with actual knowledge that the debt is not mine, making their continued actions willful and unlawful.

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681e ( b ) : Failure to maintain maximum possible accuracy 1681s-2 ( a ) : Furnishing information known or should be known to be inaccurate 1681s-2 ( b ) : Failure to conduct a reasonable investigation after dispute 1681c-2 : Failure to block reporting of information resulting from identity theft Once an agency has actual notice that a debt is fraudulent, it is required to cease reporting and enforcement. Continued reporting constitutes a willful violation.

2. Debt Collection Improvement Act ( DCIA ) 31 U.S.C. 3711 et seq.

Federal agencies are prohibited from collecting debts that are not legally enforceable. Continuing collection after knowledge that a debt is invalid violates federal debt collection standards.

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 To the extent third-party collectors or offsets are involved : 1692e : False representation of the character or legal status of a debt 1692f : Unfair and unconscionable means to collect a debt not owed 4. Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 This debt arose from identity theft. Continued enforcement after notice compounds the harm and exposes the agencies to liability.

5. Due Process Violations By continuing to penalize me for a debt they know is not mine, the agencies have deprived me of property and financial standing without due process, in violation of constitutional protections. 

Harm Caused As a direct result of these violations, I have suffered : Financial harm and loss of funds Taking my tax refund Emotional distress Significant time and expense attempting to correct errors the agencies acknowledge Requested Resolution I am requesting that the CFPB require the Department of the XXXX and Department of the XXXX XXXX to : Immediately cease all collection, enforcement, and penalties related to this debt Permanently remove the debt from all internal systems and consumer reporting agencies Refund any funds taken or applied as a result of this misattributed debt Provide written confirmation that the debt is not mine and will never be enforced Correct any and all credit reporting associated with this debt Conclusion The XXXX and XXXX XXXX are continuing to penalize me for a debt they know is not mine. This is no longer a dispute it is knowing misconduct. I am requesting CFPB intervention to enforce compliance with federal law and prevent further harm. 

Thank you for your attention to this matter.

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