Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicing Solutions, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the unlawful disclosure, transfer, and continued possession of my non-public personal financial information ( NPI ) related to an alleged debt that originated with the original creditor. Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and its implementing regulations, financial institutions are prohibited from disclosing a consumers non-public personal information to non-affiliated third parties unless the consumer is provided with a proper privacy notice and a meaningful opportunity to opt out of such disclosures. I was never provided with any disclosure or opportunity to opt out of my non-public personal information being shared with third-party collection agencies. Despite this, my non-public personal information was transferred from the original creditor to XXXX XXXX, which subsequently furnished a collection account to my XXXX credit report. In XXXX, after I formally disputed the account and challenged XXXX authority to possess and furnish my non-public personal financial information, XXXX removed the account from my XXXX credit report. However, after the account was removed, the same alleged debt later reappeared on my XXXX credit report under a different company, XXXX XXXX. This indicates that my non-public personal financial information ( NPI ) was obtained, transferred, and used again by another non-affiliated third party. More specifically, it appears that XXXX XXXX transferred the same non-public personal information to XXXX XXXX, despite lacking lawful authorization to possess or disclose that information in the first place. I have never consented to such disclosure, and I was never provided with a lawful opt-out opportunity as required under the Gramm-Leach-Bliley Act. Under GLBA and its implementing regulations, non-public personal financial information includes but is not limited to : information provided on credit applications, account balances and payment history, the existence of a financial relationship, and any information obtained in connection with servicing or collecting a financial account. The information transferred to XXXX and subsequently transferred to Servicing Solutions clearly falls within these protected categories. Because the original creditor failed to provide the required privacy disclosures and opt-out opportunity prior to sharing my information with non-affiliated third parties, the initial disclosure of my non-public personal information occurred without lawful authorization. After XXXX removed the account following my dispute, the reappearance of the same alleged debt through another collector strongly indicates that XXXX transferred my non-public personal information to another company despite lacking lawful authorization to possess or disclose that information. The possession, transfer, and use of my identifying financial information under these circumstances appears to constitute identity theft, as defined under applicable state law, which includes the unauthorized possession, use, or transfer of another persons identifying financial information. I have already provided written disputes and notices challenging the authority of the involved companies to possess or furnish my non-public personal financial information. To date, neither XXXX Receivables nor XXXX XXXX have provided evidence demonstrating that : I was given a GLBA-compliant privacy disclosure and opt-out opportunity, or that they possess lawful authorization to obtain, transfer, possess, or furnish my non-public personal financial information.

Company response to consumer: Closed with explanation