Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: MO

Complaint narrative:
I am submitting this complaint to formally dispute and report the continued inaccurate reporting and collection activity associated with an account being reported by XXXX ( Account Number : XXXX ), with XXXX XXXX listed as the original creditor. This account does not belong to me, was not opened or authorized by me, and is the direct result of identity theft. Despite taking proper steps to report this fraud, including filing an identity theft report with the Federal Trade Commission ( FTC ), the account continues to be reported and pursued, causing ongoing harm. 

I first became aware of this issue when I reviewed my consumer credit report and noticed a derogatory collection account reported by XXXX. The account reflects a past-due balance allegedly owed to XXXX XXXX. I have never opened an account with XXXX XXXX never received utility services from XXXX XXXX associated with this debt, and never authorized XXXX or XXXX XXXXh to extend credit or services in my name. 

Because I did not recognize this account, I immediately took action to protect myself. After reviewing my records and confirming that the account was fraudulent, I filed an identity theft report with the Federal Trade Commission. This report formally documents that my personal identifying information was used without my consent to open or incur this account. The FTC report establishes that I am a victim of identity theft and that this account is not mine. 

Under federal law, including the Fair Credit Reporting Act ( FCRA ), once identity theft has been reported, consumer reporting agencies and furnishers of information are required to take specific actions. These actions include blocking and removing fraudulent information and ceasing the reporting and collection of debts that are the result of identity theft unless the company can prove that the account was legitimately opened and authorized by the consumer. 

Despite the existence of my FTC identity theft report, the XXXX account with account number XXXX continues to appear on my credit report as a derogatory collection account. This continued reporting is inaccurate, misleading, and harmful. It has negatively impacted my credit profile, caused emotional distress, and created unnecessary obstacles when attempting to obtain housing, credit, and other financial opportunities. 

At no point has XXXX provided me with documentation demonstrating that I opened this account, signed a contract, requested services, or benefited from any services provided by XXXX XXXX. There has been no proof of a valid application, no service agreement bearing my signature, no billing records tying me to the alleged service address, and no evidence that I authorized this debt. Without such documentation, there is no legitimate basis for this account to be reported or collected. 

Additionally, the reporting of this account appears inconsistent across credit reporting agencies, which further suggests that the information is not accurate or reliable. Inaccurate or inconsistent reporting undermines the integrity of the credit reporting system and violates the requirement that information furnished to credit bureaus be complete and accurate. 

The continued reporting of this account after notice of identity theft raises serious concerns about compliance with federal law. Under FCRA Section 605B, once a consumer submits an identity theft report, consumer reporting agencies must block the reporting of the fraudulent information. Likewise, furnishers are prohibited from continuing to furnish information related to the fraudulent account. The ongoing presence of this account suggests that these legal obligations have not been met. 

Furthermore, XXXX actions have caused ongoing financial and emotional harm. I have spent significant time and effort reviewing my credit reports, preparing disputes, and attempting to resolve an issue that should never have occurred. This situation has forced me to repeatedly defend myself against a debt that is not mine, which is both stressful and unfair. 

I am also concerned that this account may have been sold, transferred, or reassigned multiple times without proper verification of its legitimacy. Debt buyers and collection agencies have a responsibility to ensure that the accounts they collect are valid and accurately attributed to the correct consumer. Attempting to collect or report a debt resulting from identity theft without proper verification is unacceptable. 

I want to be clear that I am not refusing to pay a legitimate debt. Rather, I am asserting my legal rights as a consumer who has been victimized by identity theft. This account was not incurred by me, and I should not be held responsible for it in any way. 

Because of the continued inaccurate reporting, I am requesting regulatory assistance to ensure that this matter is resolved correctly and permanently. I am asking that the Consumer Financial Protection Bureau review this complaint and require XXXX to take appropriate corrective action. 

Specifically, I am requesting the following resolutions : Immediate deletion and permanent removal of XXXX account number XXXX from all consumer credit reports. 

Confirmation that XXXX XXXX is no longer associating my name or personal information with this alleged debt. 

Written confirmation that this account has been closed, deleted, and will not be sold, transferred, or reinserted in the future.

Assurance that no further collection activity will be attempted regarding this fraudulent account.

Compliance with all applicable provisions of the Fair Credit Reporting Act and identity theft protections.

I have acted in good faith at all times and have taken all appropriate steps required of a consumer in this situation. The continued reporting and collection of this account despite an FTC identity theft report is unjustified and must be corrected.

I appreciate the CFPBs assistance in ensuring that my rights are protected and that this inaccurate and fraudulent account is resolved promptly. I am seeking a fair and lawful outcome that reflects the fact that this debt does not belong to me and should never have been reported in my credit file.

Company response to consumer: Untimely response