Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
over the past 6 months I have submitted over 20 Disputes with all 3 credit bureaus - Sent Letters to All 3 Credit Bureaus - I sent 2 written letters to Collection Agency ( capstone ) via USPS XX/XX/XXXX & Email to the Attention : XXXX XXXX Subject : Formal Request for Resolution of Identity Theft Issue and Removal of Fraudulent Accounts Attention : XXXX XXXX My name is XXXX XXXX XXXX XXXX, I hope this message finds you well. I prefer to communicate by phone or email. I have made several attempts to reach you by phone and have been unsuccessful. I have sent written letters to your office and I appreciate the offer extended. I will not accept your offer because of the validity of these 2 Accounts. My letters were clear that these are not my accounts and I am yet again writing to address a critical issue regarding identity theft perpetrated by " XXXX XXXX '' who has misused my personal information to open fraudulent accounts in my name. Specifically, XXXX XXXX has utilized my information to create the following accounts : Account XXXX Account XXXX To resolve this matter, I formally request the immediate deletion of the aforementioned fraudulent accounts from all three major credit bureaus. If not, I kindly request the following actions to be taken : Provision of a Debt Validation Letter containing detailed information regarding the debt. 
Disclosure of the original agreement between the creditor and myself.

Provision of comprehensive details regarding the original creditor, including contact information and account specifics. 
Confirmation of the authenticity of the debt through the original agreement bearing my genuine signature. 
Documentation validating the assignment of the debt. 
These documents are essential to verify the legitimacy and accuracy of the debt in question. Failure to provide these documents within the specified timeframe may result in legal action, as outlined in the Fair Credit Reporting Act ( FCRA ). 

This dispute falls under the purview of various sections of the FCRA, including but not limited to : Section 602A ( 15 U.S.C. 1681a-2 ) Section 603 ( 15 U.S.C. 1681a-3 ) Section 604 ( 15 U.S.C. 1681b ) - Permissible Purpose Section 604A ( 15 U.S.C. 1681c-1 ) Section 605A ( 15 U.S.C. 1681c-1 ) Section 605B ( 15 U.S.C. 1681c-2 ) Section 611 ( 15 U.S.C. 1681i ) It is crucial to promptly address and rectify the inaccuracies in the reporting of these accounts, which are clear violations of the FCRA. 





Furthermore, the unauthorized sharing of my information with any other entity is unlawful. Therefore, I request the immediate deletion of the specified accounts from all three credit bureaus. 

To facilitate the resolution of this matter and ensure compliance with FCRA regulations, I urge you to provide the requested documentation. Your prompt attention to this request is greatly appreciated. 

Thank you for your cooperation in resolving this issue. I look forward to your prompt action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation