Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: MD

Complaint narrative:
I am writing to dispute and request validation of the debt associated with the account number XXXX XXXXXXXX. I have recently become aware of this account, and I am concerned that it may be the result of identity theft, as I have no knowledge or recollection of opening or authorizing such an account. The original creditor is listed as XXXX XXXX XXXX, which I see was acquired by XXXX XX/XX/XXXX. Upon reviewing my credit report via XXXX. The data states this account was opened XX/XX/XXXX. First date of delinquency was XX/XX/XXXX and first reported XX/XX/XXXX with a. balance of {$1700.00} In accordance with my rights under the Fair Credit Reporting Act, specifically Section 615 ( f ) ( 1 ), I am requesting the following information to validate this debt : 1. The address where the account was established. 
2. A copy of any contract or agreement bearing my signature, which evidences my consent and agreement to the terms and conditions of this account.

3. A detailed payment history on the account, including dates and amounts of payments made, as well as any outstanding balances.

4. The last four digits of any credit cards that were used to establish or make payments on this account.

5. I am also requesting that you provide any additional documentation or information that may assist me in understanding and resolving this matter. 

You the Furnisher/Creditor should be able to supply you a copy of an original documentation ( an original instrument of indebtness the autograph on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), not to be confused with a photocopy.

In accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I am requesting a complete audit trail of said accounts and Tax Registration certificate. Also, the creditors need to provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) contract binding both parties in a letter by certified mail To substantiate my claim, I have included the following documentation : Proper Identification : 1. Copy of my Passport 3. Police officer : XXXXXXXX XXXX  Phone Number XXXX XXXX. Police Report Number : XXXX 5. Jurisdiction : XXXX Virginia Police Department 6. Federal Trade Commission ( FTC ) Report : XXXX Under Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, the debt collector must cease collection activities until it has satisfied the requirements to validate the debt, including blocking the reporting of information resulting from identity theft. 

I request that your agency promptly investigates this matter, takes the necessary steps to block the unauthorized information from my account, and provides me with a written response outlining the actions taken to comply with the Fair Credit Reporting Act. I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and emphasize the importance of adhering to the regulations set forth to protect consumers. 

Please note that I am a victim of identity theft, and it is crucial for me to clarify and rectify any fraudulent accounts associated with my name and information. I appreciate your prompt attention to this request and expect a response within the timeframe prescribed by law. Your immediate attention to this matter is appreciated. I can be reached at XXXX or XXXX if you require any further information. Thank you for your cooperation in resolving this matter promptly.

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