Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information.

I believe the reporting and handling of this account violates several federal laws, including but not limited to : 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute.

2. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, con
sumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section.

3. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code.

4. 18 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct.

Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account.

This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution.

Company response to consumer: Closed with explanation