Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I sent in debt validation letter and when they didnt respond I sent in the disputes and XXXX  keep leaving these item on my credit report that is all because of them and their negligence as a company that my information was leaked in their breach. XXXX also will not remove the items as well. 
Heres a formal complaint you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX and XXXX  failure to remove fraudulent hard inquiries and disputed accounts linked to the XXXX XXXX breach. 

Subject : Dispute of Fraudulent Hard Inquiries and Accounts XXXX XXXX Breach To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX Trl XXXX, Fl XXXX Email : XXXX Phone Number : XXXX Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Complaint Details : I am submitting this complaint against XXXX and XXXX for failing to remove fraudulent hard inquiries and disputed accounts that resulted from the XXXX data breach. Despite my repeated disputes, both credit bureaus have refused to remove the following unauthorized hard inquiries and accounts : XXXX. Hard Inquiries : XXXX XXXX XXXX VyStar Credit Union 2. Fraudulent Accounts : XXXX XXXX XXXX VyStar Credit Union These inquiries and accounts were opened without my authorization as a direct result of the XXXX XXXX breach, which compromised the personal information of millions of consumers, including mine. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to investigate and remove inaccurate or fraudulent information from a consumers report.

Violations of the Law : 1. Failure to Conduct a Proper Investigation ( 1681i ( a ) ) Upon receiving my dispute, XXXX and XXXX were legally required to conduct a reasonable reinvestigation within 30 days. They have failed to remove the fraudulent inquiries and accounts despite clear evidence of identity theft. 
2. Failure to Block Fraudulent Information ( 1681c-2 ( a ) ) As a victim of identity theft, I submitted a dispute requesting the removal of fraudulent items. Under this provision, XXXX and XXXX must block the information within XXXX business days after receiving my request. They failed to do so. 
3. Reporting Inaccurate Information ( 1681e ( b ) ) XXXX and XXXX have not maintained accurate credit files by allowing fraudulent inquiries and accounts to remain. 
4. Negligence and Willful Noncompliance ( 1681n and 1681o ) By refusing to remove the fraudulent information, XXXX and XXXX have violated my rights under the FCRA, and their actions constitute negligence and willful noncompliance. 

Resolution Sought : I am requesting that the CFPB intervene and require XXXX and XXXX to : Immediately remove the fraudulent hard inquiries and accounts listed above. 
Provide written confirmation of the removal. 
Cease reporting any inaccurate or fraudulent data related to this matter. 
Ensure compliance with the Fair Credit Reporting Act ( FCRA ) and provide an explanation of their failure to act.

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