Consumer complaint received 2026-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX Atlanticus Services Corporation Attn : Fraud & Disputes Department XXXX. XXXX XXXX XXXX, GA XXXX RE : NOTICE OF IDENTITY THEFT, UNAUTHORIZED INQUIRIES, AND DEMAND FOR IMMEDIATE ACCOUNT CLOSURE To Whom It May Concern, I am writing to formally dispute fraudulent activity on my credit profile associated with your institution. I am a victim of identity theft. A perpetrator has compromised my personal identifying information to fraudulently seek and potentially obtain credit, goods, and services under my name without my knowledge or consent. Specifically, I have discovered the following unauthorized hard inquiries on my credit report initiated by or through XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Absolute Impossibility of Authorization Be advised that I did not authorize, initiate, or sign for any of these inquiries, nor did I apply for any credit lines or financing associated with these merchants. It is a matter of public record and an absolute physical impossibility for me to have conducted these transactions. I have been continuously XXXX in the Oklahoma Department of Corrections ( ODOC ) since XX/XX/XXXX, serving a XXXX sentence, and I remain XXXX at this time. I do not have access to these retail locations, nor do I have the legal capacity to enter into financing agreements at these venues. Any application submitted in my name is completely fraudulent. 2. Demand for Immediate Action Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and federal consumer protection laws, I demand that XXXX XXXX immediately execute the following actions : IMMEDIATELY CLOSE any and all accounts, credit lines, or financing agreements currently open or pending in my name. CEASE AND DESIST any current or future collection activities, billing, or reporting related to these fraudulent applications. REMOVE AND SUPPRESS the unauthorized hard inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX from all of my credit agency profiles ( XXXX XXXX XXXX ) immediately. MARK AS FRAUD all internal files associated with my social security number and name to prevent further exploitation by the perpetrator. 3. Notice of Liability Should XXXX XXXX fail to immediately investigate this notice, close the fraudulent accounts, and delete the unauthorized inquiries, you will be in willful violation of the FCRA. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Oklahoma Attorney Generals Consumer Protection Division. Provide formal, written confirmation to me at XXXX XXXX XXXX XXXX within thirty ( 30 ) days verifying that these inquiries have been deleted and that any fraudulent accounts under my name have been closed and marked as identity theft. Sincerely, XXXX XXXX # XXXX DOB : [ XX/XX/XXXX ] SSN : [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief