Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report a fraudulent debt collection attempt involving identity theft. A lawsuit has been filed against me by TENAGLIA & HUNT, P.A., representing XXXX XXXX XXXX, the assignee of a debt allegedly owed to XXXX XXXX XXXX XXXXXXXX, in the amount of {$3300.00} and/or any other amount. I am not the debtor in this case. I have never entered into any contract or financial obligation with XXXX XXXX XXXX XXXXXXXX, nor have I incurred any debt to them. This lawsuit is based on fraudulent activity where my personal information was unlawfully used by an identity thief without my consent. I did not authorize any of the transactions or account openings associated with this alleged debt. The legal action being pursued against me is an unjust attempt to collect a debt that does not belong to me, and I have never received any goods, services, or benefits from the transactions made under this fraudulent account. As a victim of identity theft, I should not be held liable for debts that are not mine. This situation has caused me significant emotional distress as I am being unjustly accused and harassed for a debt created through the wrongful use of my personal information. The actions of XXXX XXXX XXXX, and TENAGLIA & HUNT, P.A. violate several consumer protection laws. The fraudulent claim is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which requires debt collectors to validate the debt before pursuing legal action. XXXX XXXX, XXXX, and their representatives have failed to validate the debt and continue to pursue a lawsuit based on fraudulent information. Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, provides protections regarding the accuracy of credit information. XXXX XXXX and TENAGLIA & HUNT have failed to ensure the legitimacy of the debt and have not properly investigated its origin, which violates my rights under the FCRA. Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-2, victims of identity theft can challenge fraudulent accounts and require creditors to remove them. XXXX XXXX and TENAGLIA & HUNT have continued pursuing this fraudulent debt, disregarding FACTA protections. Moreover, this situation involves fraudulent misrepresentation. TENAGLIA & HUNT and XXXX XXXX are knowingly attempting to collect a debt that I do not owe. They have failed to investigate the legitimacy of the debt, and their pursuit constitutes fraud. Their actions have resulted in unjust enrichment, unlawfully attempting to benefit from a debt that is not mine. The emotional toll this situation has caused has been severe. The constant worry about my financial future and the distress of being wrongfully pursued have negatively impacted my mental and emotional well-being. This situation has caused significant XXXX, frustration, and helplessness. I now struggle with sleepless nights while trying to clear my name. I am submitting this complaint to the CFPB to report these fraudulent actions and to request immediate intervention. I ask that the CFPB take appropriate action to ensure that XXXX XXXX and TENAGLIA & HUNT cease their illegal collection efforts, protect my rights as a victim of identity theft, and hold those responsible accountable under the law. I respectfully request the immediate dismissal of this case.

Company response to consumer: Closed with explanation