Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am writing to dispute a fraudulent XXXX Credit Card account ( ending in XXXX, issued by XXXX XXXX XXXX XXXX  ) that was opened in my name without my knowledge or consent. I am a victim of identity theft and did not apply for, authorize, or use this account. I first became aware of this issue when I noticed it on my credit reports, and I promptly filed a complaint with the CFPB ( reference # XXXX ) to report the fraud and request closure and removal from my credit history. 
In response, XXXX sent me a denial letter dated XX/XX/year>, stating that their investigation could not resolve the claim in my favor. They cited that the address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ), phone number ( ( XXXX ) XXXX ), and email ( XXXX ) on the application match those in my CFPB complaint and their records. However, this does not prove I opened the accountidentity thieves commonly steal and use victims ' personal information, including addresses, emails, and phone numbers, to perpetrate fraud. I have never used the ( XXXX ) XXXX phone number ( which appears to be from XXXX, while I reside in XXXX  ), and I did not receive or respond to any communications from XXXX, such as statements, payment reminders, or e-notifications, because I was unaware of the account 's existence until recently. Their records also show no successful payments were made since the account opened, with multiple attempts reversed due to insufficient funds, further indicating I did not benefit from or control this account. 
I am attaching supporting documentation, including my FTC Identity Theft Affidavit and a police report filed with the XXXX XXXX Police Department for identity theft, as required for formal disputes. I insist that XXXX reopen their investigation, close the account immediately, zero out any balance, cease all collection efforts, and instruct the credit bureaus ( XXXX, XXXX, and XXXX  ) to permanently remove this account from my credit reports. Their refusal to do so is causing ongoing harm to my credit score and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I am protected as a v
ictim of identity theft. Specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to block information on credit reports that a consumer identifies as resulting from identity theft, upon receipt of an identity theft report like the one I am providing.

FCRA 623 ( 15 U.S.C. 1681s-2 ) outlines the responsibilities of furnishers of information ( such as XXXX ) to investigate disputes related to identity theft, correct or delete inaccurate information, and not re-report disputed fraudulent accounts without substantiating their accuracy. 
FCRA 611 ( 15 U.S.C. 1681i ) mandates a reasonable investigation into disputed information on credit reports, including identity theft claims, within 30 days. 

XXXX 's denial fails to comply with these provisions, as they have not adequately addressed the evidence of fraud despite my report. Please forward this to XXXXXXXX XXXX XXXX XXXX and the credit bureaus for immediate action. I request confirmation of the account 's closure and removal, along with updated credit reports showing the changes.

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