Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Complaint Summary : I am filing a formal complaint against Carter-Young , Inc. and The Standard at XXXX for attempting to collect a fraudulent debt tied to a lease that I never signed or agreed to guarantee. The Standard at XXXX falsely listed me as a guarantor without my consent, a

nd Carter-Young has since engaged in unlawful collection efforts, violating both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite multiple requests for verification, neither party has provided any legally binding documentation proving I was ever responsible for this debt. Attached police reports and lease documents confirm this is a case of identity theft. -- - Key Facts & Evidence : 1. Fraudulent Lease & Unauthorized Guarantor
Status I have never signed, authorized, or agreed to be financially responsible for Lease # XXXX ( Unit XXXX ) at The Standard at XXXX. 

Despite this, The Standard at XXXX fraudulently listed me as a guarantor, as shown in the attached Final Move-Out Financial Statement. 

This is a direct violation of my rights under the FCRA and XXXX Identity Theft Law ( O.C.G.A. XXXX ). 



XXXX. Failure to Provide Legal Verification On [ Insert Date ], I formally requested The Standard at XXXX to produce a copy of the signed lease agreement showing my authorization. 

To date, they have failed to provide any legal proof that I agreed to this lease. 

Under FCRA 15 U.S.C. 1681s-2, they are obligated to remove inaccurate reporting, yet they continue to allow Carter-Young to pursue this debt.

3. Carter-Young 's Unlawful Collection Practices Carter-Young is attempting to collect {$21000.00} without any legal proof of my liability.

They are reporting this fraudulent debt to credit bureaus, violating FCRA 15 U.S.C. 1681b ( c ).

They have failed to provide proper verification, violating FDCPA 15 U.S.C. 1692g. 



4. Police Reports Confirming Identity Theft XXXX XXXX XXXX XXXX Report ( Case # XXXX ) confirms identity fraud related to this lease. 

XXXX XXXX Police Department Report ( XXXX # XXXX ) links this case to prior identity theft issues in my name. 





-- - Legal Violations in Play Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 The Standard at Atlanta continues to report fraudulent financial information despite formal disputes. 


Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX XXXX XXXX XXXX a debt without verification, which is illegal. 


Georgia XXXX Theft Law ( O.C.G.A. XXXX ) My personal information was used without my consent, and The XXXX at XXXX failed to act. 


CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX Standard at XXXX Complainant XXXX XXXX XXXX XXXX XXXX OLD LOWER XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX Email : XXXX -- - Complaint Summary : I am filing a formal complaint against XXXX, XXXX and XXXX XXXX XXXX XXXX for XXXX to XXXX a fraudulent debt tied to a lease that I never signed or agreed to guarantee. The Standard at XXXX falsely listed me as a guarantor without my consent, and XXXX has since engaged in unlawful collection efforts, violating both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple requests for verification, neither party has provided any legally binding documentation proving I was ever responsible for this debt. Attached police reports and lease documents confirm this is a case of identity theft. 


-- - Key Facts & Evidence : 1. Fraudulent Lease & Unauthorized Guarantor Status I have never signed, authorized, or agreed to be financially responsible for Lease # XXXX ( Unit XXXX ) at The Standard at XXXX. 

Despite this, The Standard at XXXX fraudulently listed me as a guarantor, as shown in the attached Final Move-Out Financial Statement. 

This is a direct violation of my rights under the FCRA and XXXX XXXX Theft Law ( O.C.G.A. XXXX ). 



XXXX. Failure to Provide Legal Verification On [ Insert Date ], I formally requested The Standard at XXXX to produce a copy of the signed lease agreement showing my authorization. 

To date, they have failed to provide any legal proof that I agreed to this lease. 

Under FCRA 15 U.S.C. 1681s-2, they are obligated to remove inaccurate reporting, yet they continue to allow Carter-Young to pursue this debt.

3. Carter-Young 's Unlawful Collection Practices Carter-Young is attempting to collect {$21000.00} without any legal proof of my liability.

They are reporting this fraudulent debt to credit bureaus, violating

FCRA 15 U.S.C. 1681b ( c ). They have failed to provide proper verification, violating FDCPA 15 U.S.C. 1692g. 



4. Police Reports Confirming Identity Theft XXXX XXXX XXXX XXXX Report ( Case # XXXX ) confirms identity fraud related to this lease. 

XXXX XXXX Police Department Report ( XXXX # XXXX ) links this case to prior identity theft issues in my name. 





-- - Legal Violations in Play Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 The Standard at XXXX continues to report fraudulent financial information despite formal disputes. 


Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Carter-Young is collecting a debt without verification, which is illegal. 


XXXX Identity Theft Law ( O.C.G.A. XXXX ) My personal information was used without my consent, and The Standard at XXXX failed to act.

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