Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Identity Theft Statement and Request for Removal of Fraudulent Information Re : Identity theft affecting the credit file of XXXX XXXX XXXX DOB ( XX/XX/XXXX ) Last 4 of SSN : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern, I, XXXX XXXX XXXX, am a victim of identity theft. An unknown fraudulent party, without my knowledge or consent, used my personal information to attempt or establish accounts, initiate inquiries, and generate negative reports that are not mine. I did not authorize these transactions or accounts. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and related federal protections : 1. Block and Remove Fraudulent Information Under FCRA 605B, 15 U.S.C. 1681c-2, I request that you block and permanently remove all information, accounts, inquiries, and derogatory marks identified as resulting from identity theft from my credit file. The law requires that such blocking be completed within 4 business days after receiving this request and the enclosed documentation.

2. Fraud Alert Placement In accordance with FCRA 605A, 15 U.S.C. 1681c-1, I request the immediate placement of a fraud alert on my credit file. This will require creditors to take reasonable steps to verify my identity before opening new accounts. Please provide written confirmation once this alert has been placed. 
3. Security Freeze Option I also reserve my right under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( XXXX ) amendments to the FCRA to place a security freeze on my credit file at no cost. If requested, you are obligated to implement and confirm this freeze promptly.

4. Duties of Furnishers and Debt Collectors To any furnisher of credit information : you are required under the FCRA to conduct a reasonable investigation and delete any information that can not be verified as belonging to me. To any debt collector : I formally dispute all debts arising from this identity theft. Under the Fair Debt Collection Practices Act ( FDCPA ), you must cease collection efforts unless you provide proper validation and full documentation proving the debt belongs to me.

5. Notification to Downstream Users Under your obligations, you must notify any other parties to whom you furnished the fraudulent information that it has been blocked/removed, ensuring it does not continue to harm my financial reputation.

Enclosed please find : A copy of my government-issued ID and proof of address ; An official Identity Theft Report from the FTC ( XXXX ) List of credit report identifying the fraudulent accounts and inquiries. 
I demand full compliance with these laws and request written confirmation once the fraudulent information has been removed and all alerts or freezes have been placed. 
Thank you for your immediate attention. 
Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief