Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
In the summer of XXXX I had my wallet as well as other documents stolen. In XXXX of that year that information was used by the thief to then commit identity theft. Multiple credit cards were opened and used under my name with the companies XXXX XXXX ( ~ {$3500.00} ), XXXX XXXX ( ~ {$3200.00} ), and XXXX XXXX ( {$670.00} ). After working with all three companies during the fall of XXXX, XXXX XXXX and XXXX XXXX both had their respective accounts closed in XXXX of XXXX, but to this date XXXX XXXX still has not closed out the amount. My credit report shows what appears to be two accounts with XXXX XXXX that were both opened on XX/XX/XXXX. On XX/XX/XXXX the account with {$0.00} was closed with a designation of being " Lost or stolen '' ( the verbiage changes slightly between the 3 credit bureaus ), but the account that actually holds a balance of {$670.00}, was never closed. In XXXX of this year ( XXXX ) I received a letter from Credit Control LLC stating that this XXXX  XXXX  account was being placed in collections. I promptly contacted XXXX XXXX to have it resolved and they told me they would begin an investigation. On XX/XX/XXXX of this year ( XXXX ) ( and after 2 follow up calls with XXXX XXXX over the summer to receive updates ) I was told that their fraud department had just opened an investigation on XX/XX/XXXX. After finding out in XXXX that XXXX XXXX had sent the account back to Credit Control LLC to be collected, I filed another FTC Identity Theft Report on XX/XX/XXXX ( as my original one from XXXX was no longer active ), so that I could have a better record to prove the legitimacy of my claim. Then on XX/XX/XXXX I mailed the FTC Report, an FTC letter, a copy of my XXXX  credit report, and a police report from The XXXX XXXX University Police Department, to XXXX XXXX XXXX Credit Department. Letters were also sent to each credit bureau and Credit Control LLC on XX/XX/XXXX. On XX/XX/XXXX and XXXX I received two more letters from Credit Control LLC about the account being sent to them for collection. As of today ( XX/XX/XXXX ) I am still working with Credit Control LLC to keep this account listed as disputed. As for XXXX XXXX, I have contacted their costumer support group numerous times over the past 6 months with very little in the way of help on the matter. The only useful information I ever get from the phone representative is the XXXX XXXX Fraud Department 's number. I have tried calling that number 4-5 different times, on different dates, and no one answers. The XXXX XXXX Fraud Department has never once, since the Fall of XXXX until now, attempted to contact me about this account or the identity theft that occurred during any of their " investigations ''. Even after sending them the FTC and police reports over 6 weeks ago, I have still not received so much as a phone call and/or voicemail to try and work with me to resolve this matter. I would also note that both XXXX  XXXX  and XXXX XXXX have their credit cards serviced by XXXX, and somehow the XXXX XXXX account was closed due to fraud, but the XXXX  XXXX  account that was opened on the exact same day ( XX/XX/XXXX ), under the exact same circumstances, is being unjustly held against me.

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