Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Online Submission Support Document I submit this formal complaint and supporting documentation requesting immediate enforcement action regarding a fraudulent collection account that TransUnion continues to report on my credit file despite repeated disputes and clear evidence of identity theft. 
Summary of issue- This is my third dispute with TransUnion concerning the same collection account reported by Eastern Account System on behalf of XXXX XXXX XXXX ( XXXX  ) - I never opened, authorized, or used the account in question. The account is the result of fraud/identity theft. The only accounts opened by me were closed in XXXX and I have no outstanding Balance with them. Previous accounts were XXXX XXXX ( closed confirmed by XXXX ) The collection agency nor XXXX never contacted me letting me know that I have a current deb with them. 

- Both XXXX  and XXXX  have completed reinvestigations and removed this collection from my credit reports. Copies of those deletions are attached. 

- XXXX  's prior responses were demonstrably insufficient : the first investigation returned an automated verified as accurate result without substantive review ; the second investigation produced only mailed results and still failed to produce documentary verification or a meaningful, documented reinvestigation. 

- Attached screenshots of XXXX own investigation output show clear data inconsistencies ( for example, XXXX  lists the account as opened on XX/XX/XXXX while simultaneously showing a last payment date of XX/XX/XXXX a chronological impossibility ), which proves investigatory failure. 
Supporting documents included 1. Police report documenting identity theft / fraud.

2. Proof of deletion from XXXX.

3. Proof of deletion from XXXX.

4. Screenshots showing XXXX  internal data inconsistencies.

5. Copy of government-issued
ID ( Drivers License ).

6. Proof of address ( recent utility bill ).

7. Copy of the certify mail receipts I sent to the collection agency and XXXX  8. Copies of the letters I sent to XXXX  and the Collection agency 9. Screenshots of the XXXX tracking saying the letters were delivered to XXXX  and Collection agency.

Requested action I request that the CFPB immediately investigate XXXX  for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ) and any related provisions governing furnisher reporting and accuracy. I request that the CFPB require XXXX  to : - Immediately remove the fraudulent collection from my XXXX  credit file unless it can produce independent, verifiable documentation ( signed agreements, service records ) that legitimately tie the account to me. 
- Provide to me and to the CFPB all records relied upon in any reinvestigation, including detailed records of communications with the furnisher and the exact documents obtained from XXXX or Eastern Account System. 
- Provide a written explanation of why XXXX  and XXXX  were able to remove the item following reinvestigation while XXXX  continues to report it. 
this complaint and supporting documentation via the CFPB portal and I request immediate enforcement and response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation