Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I'm contacting the executive team to assist me with resolving an issue regarding identity theft. XXXX XXXX, an employee in the office of thepresident responded to my CFPB complaint on XXXX. She stated that this bank didnt find any identity theft pertaining to a fraudulent personal loan with account number # XXXX. She stated in her response that this fraudulent account was opened on XXXX at XXXX XXXX and first horizon bank merged with XXXX XXXX in XXXX. I'm a victim of identity theft and I never opened, applied, nor authorized this fraudulent account with XXXX XXXX. Per federal law, the FCRA, and the CFPB notice to furnishers first horizon bank can not dismiss my report of identity theft regarding this fraudulent account. First horizon bank can not make me responsible for a fraudulent account that was opened with another bank that you acquired. I have neither engaged in business transactions with this company nor entered into any agreements. Hence, it is unjustified for this company to report a fraudulent account that I have no knowledge of. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ) .As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA . The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Enclosed is a copy of my Identity Theft Report supporting my position and cfpb notice to furnishers. Also, pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I have the right to request validation of the debt that this company says I owe at this current time. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Im attaching a validation of debt letter to this complaint as well. I want a response from someone in the executive team and not a response from XXXX XXXX. Shes only going to lie like this account isnt fraudulent, send me an automated response, and tell me that she cant identify me with the documents that Ive sent in. The laws per the fcra were put in place to protect customers like myself who is a victim of identity theft.When you have employees like XXXX XXXX who will blatantly violate the laws and not abide by your responsibilities as a creditor. It can put first horizon bank in serious litigation for negligence of my identity theft claim. XXXX XXXX also disregarded my debt of validation request and did not send it to me. She stated her own requirements for me to receive the debt of violation which is a violation of the fair debt collection practices act that allows consumers to request verification of debt from a debt collector. She was able to tell me that the account was valid and not a fraud account from identity theft with the information I sent her. BUT ... She couldnt send me a debt of a validation so ; I can review the documents that first horizon bank has on file for this fraudulent account? Per the FDCPA the requirements for a debt of validation request are : a statement regarding the debt, my name, mailing address, account number associated with the debt, and what Im requesting regarding the debt. All of this was listed in the debt validation request that I sent and XXXX XXXX decided to tell me I had to send other information to receive the information. She also deliberately didn't respond to my XXXX XXXX XXXX complaint so it can be listed as ( unanswered ) on the first horizon bank profile.All of this is being done out of malice and ill intent from XXXX XXXX which will most definitely hold up in court for punitive damages.If first horizon bank acquired XXXX XXXX in XXXX, and first horizon bank is stating that this account isnt fraud. Why did it take 3 years to acknowledge this account, report it to my credit files, and make me responsible for it? This is a fraudulent account that was opened on XXXX without my knowledge with XXXX XXXX. I recently just found out about it when it was reported to my credit file with first horizon bank. This bank cant make up your own laws nor terms when it revolves around identity theft. You cant tell a consumer that an account isnt fraud when theyve sent a validate ftc identity theft report claiming that the account is fraud. You also cant have XXXX XXXX lying to consumers as myself regarding what will and want be accepted pertaining to my fraud claim. You have to abide by the laws per the FCRA and FDCPA that give me my rights per law to not be held responsible for this fraud account. Per the FACTA which strengthens the FCRA protections and requires businesses to protect consumer dates and take steps to prevent identity theft. First Horizon Bank can also be sued for ( fraud, debts legitimacy, shoddy bookkeeping, emotional stress, credit damage, financial loss, negligence, and punitive damages by deliberate and reckless acts disregarding my identity theft rights ). Im attaching the CFPB notice to furnishers, a debt validation letter, and a valid ftc identity theft report to this email.

Company response to consumer: Closed with explanation