Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
EXHIBIT XXXX PAGE XXXX ORDER OF XXXX NOT SERVED ACCESS CREDIT V. XXXX XXXX Case No : XXXX Filed : XX/XX/XXXX at XXXX AM XXXX XXXX XXXX XXXX XXXX DOCUMENT : This is an Order of Revivor filed by The XXXX Law Firm on behalf of Access Credit, seeking to revive a judgment originally entered on or about XX/XX/XXXX, and extend the life of that judgment by an additional XXXX ( XXXX ) years. 

The document states : XXXX. That the petition for revivor was timely filed. 


XXXX. That a XXXX XXXX XXXXXXXX XXXX was properly issued by the court. 


XXXX. That this writ was properly served on the Defendant, XXXX XXXX. 


XXXX. That the Defendant failed to respond or show cause. 


XXXX. That just cause exists to XXXX the revival of the judgment. 



Based on these claims, the XXXX granted the XXXX, reviving the judgment until XXXX. 

Signed by the Judge on XX/XX/XXXX Approved by : XXXX XXXX, The XXXX Law Firm P.O. XXXX XXXX XXXX, AR XXXX XXXX XXXX STATEMENT : At the time this ORDER OF XXXX was filed and approved, I, XXXX XXXX, was already making payments to The XXXX Law Firm for Access Credit beginning in XXXX, under the belief that the original case had been resolved through payment. I was paying under FEAR, COERCION and Duress and Threat of being jailed as I had been threatened in court by XXXX XXXX. I never owed the debt. I told XXXX XXXX of XXXX XXXX Firm that this was Identity Theft. 

I was never served this ORDER OF XXXX, and my signature does not appear on any return of service or acknowledgment form for this document. 

When I went to XXXX XXXX XXXX in XX/XX/XXXX to obtain all case files in person, this document was not included in the file. There is no legal proof of service and no record that I was notified of this attempt to extend the judgment against me. 










EXHIBIT XXXX PAGE XXXX ORDER OF XXXX NOT SERVED ACCESS CREDIT V. XXXX XXXX Case No : XXXX FILED : XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX AFFIDAVIT OF FACT I, XXXX XXXX XXXX declare under penalty of perjury that I was never served this ORDER OF XXXX document. This document was never mailed, hand-delivered, posted, or otherwise presented to me in any form. I have never signed any acknowledgment of receipt, service, or appearance related to this filing. 

In XX/XX/XXXX, I personally went on foot to the XXXX XXXX XXXX and requested and obtained all files in this case. Upon full inspection, this document was not included in the physical or digital case file available to me. Furthermore, my signature is not present anywhere on this file, nor is there any legal proof of service. 

Yet this ORDER claims : XXXX. That a Petition for XXXX was filed by the Plaintiff. 


XXXX. That a Writ of XXXX XXXX was issued by the Clerk. 


XXXX. That this Writ was properly served upon me, the Defendant. 


XXXX. That I failed to answer or show cause. 


XXXX. That judgment should be revived and extended XXXX more years. 


THIS IS FALSE. 
None of these steps were ever properly executed. I never received any such petition, writ, or notice, and I was not given the opportunity to object, respond, or defend myself in any way. 



XXXX PETITION OF THE PLAINTIFF SEEKING A REVIVOR OF THE JUDGMENT ENTERED IN THIS CAUSE ON OR ABOUT XX/XX/XXXX : Signed by the Judge : XX/XX/XXXX Approved by : XXXX XXXX The XXXX Law Firm, Attorneys for Plaintiff P.O. XXXX XXXX, XXXX, AR XXXX BROKEN LAWS AND VIOLATIONS : Due Process Violation XXXX XXXX, XXXX XXXX : I was deprived of notice and opportunity to be heard before a judgment was extended against me. 

Arkansas XXXX of XXXX XXXX XXXX XXXX & XXXX XXXX Requires personal service or proof of service for motions, petitions, and writs. No proof of service exists and no signature or return of service was filed. 

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the legal status of a debt by stating that I was served when I was not.

FDCPA 15 U.S.C. 1692d Engaging in conduct intended to harass, oppress, or abuse a person in connection with the collection of a debt through false legal actions. 

Filing False Instruments into XXXX XXXX It is unlawful to submit false claims or misrepresent service in court filings. 

Deprivation of Rights Under Color of Law 18 U.S.C. 242 Misuse of legal authority to deprive me of rights, including the right to defend myself. 










EXHIBIT XXXX - PAGE XXXX STAMP FILED INTO XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX  ACCESS XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX CASE NO : XXXX IMPORTANT NOTE FROM XXXX XXXX XXXX XXXX XXXX WAS NEVER SERVED THIS DOCUMENT. 
THIS IS ILLEGAL AND UNFAIR. 
I was already in payment status with the XXXX XXXX XXXX since XXXX when they filed this behind closed doors. 
They pretended they served me and they did not. 
How can I reply to a document I never received? 
This was a fraudulent, deceptive, and unlawful attempt to revive a judgment without due process or proper service. 



WRIT OF XXXX XXXX You are hereby directed to serve this WRIT in accordance with the Arkansas Rules of Civil Procedure on the Defendant to answer if there is just cause that an XXXX XXXX XXXXXXXX should not be entered in this matterif anywhy the Plaintiffs petition for the XXXXXXXX XXXX XXXXXXXX should not be granted. 

You are commanded to respond within 30 days of service of this Writ. In the event you fail to answer, an XXXX of XXXX shall be entered by this court, renewing the judgment entered in this case on or about XX/XX/XXXX, for another ten ( XXXX ) years. 

Signed by Clerk : XXXX XXXX Date : XX/XX/XXXX Approved : XXXX XXXX, PA The XXXX Law Firm P.O. XXXX XXXX XXXX, AR XXXX EXHIBIT XXXX PAGE XXXX AFFIDAVIT OF NON-SERVICE, IDENTITY THEFT & FRAUD UPON THE COURT REGARDING EXHIBIT XXXX PAGE XXXX Affiant : XXXX XXXX XXXX XXXX of XXXX XXXX of XXXX I, XXXX XXXX XXXX, being duly sworn, hereby declare and affirm under penalty of perjury the following : XXXX. I am the living woman and injured party listed as the Defendant in the matter of ACCESS XXXX XXXX XXXX V. XXXX XXXX XXXX XXXX XXXX, Case No. XXXX. 


XXXX. I was never served the Writ of XXXX XXXX filed on XX/XX/XXXX. I never received it in person, by mail, or through any process server. 


XXXX. At the time this filing was made, I was already in payment status with the XXXX Law Firm for Access Credit since XXXX, which shows I had already been contacted, was making payments, and was reachableyet no notice of this Writ was ever given to me. 


XXXX. I only discovered this document when I went on foot to the XXXX XXXX XXXX in early XX/XX/XXXX to examine the full court file for myself. 


XXXX. During my physical review of the court file, I found no document bearing my signature, and no certified proof of service showing that I was ever notified of this filing or given the opportunity to respond. 


XXXX. This filing was executed in secret, behind my back, without due process, violating the Arkansas XXXX of XXXX XXXX and my rights under the XXXX XXXX. 


XXXX. The Plaintiff and their attorney, XXXX XXXX, acted with fraudulent intent, misleading the court to obtain a revival of judgment without lawful service or opportunity for me to defend or respond. 


XXXX. This matter involves identity theft, as I had no contractual relationship with XXXX XXXX XXXX XXXX, and they have never shown any valid, signed agreement from me authorizing them to collect anything. 


I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge, information, and belief. 

LAWS VIOLATED ON EXHIBIT XXXX PAGE XXXX XXXX. Arkansas XXXX of XXXX XXXX XXXX XXXX Requires proper and documented service of legal documents. No service = no jurisdiction. 


XXXX. Due Process Clause XXXX XXXX, XXXX XXXX You can not be deprived of life, liberty, or property without proper notice and an opportunity to be heard. 


XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d & 1692e Prohibits deceptive, unfair, and abusive practices. Filing legal action while pretending you were served is deceptive. 


XXXX. Filing False Documents with the Court Fraud Upon the Court Any party knowingly submitting untrue claims or faking service commits fraud and abuses judicial process. 


XXXX. Identity Theft 18 U.S.C. 1028 Unauthorized use of your name and identity to pursue debt or legal action is a federal offense. 


Executed this _____ day of XXXX, XXXX. 

Signature : ____________________________ XXXX XXXX XXXX UCC XXXX Notary Public : Subscribed and sworn to before me this _____ day of XXXX, XXXX. 
Seal : - Notary Public Signature My commission expires : _______________ EXHIBIT XXXX PAGE XXXX PETITION FOR WRIT OF XXXX XXXX AND ORDER OF REVIVOR STAMP FILED INTO XXXX XXXX XXXX XX/XX/XXXX AT XXXX AM Comes now the Plaintiff and for their Petition states the following : XXXX. On or about XX/XX/XXXX, judgment was entered against the Defendant herein. 


XXXX. Since that time, {$290.00} has been paid toward the satisfaction of this judgment, with a balance of {$2800.00} due and owing. 


XXXX. There exists no just cause why this judgment should not be revived. 



XXXX, XXXX respectfully prays a Writ of XXXX XXXX be issued and subsequently an XXXX of XXXX be entered. 

Respectfully submitted, Access Credit Management , Inc . 

Signed by : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AR XXXX STATEMENT I, XXXX XXXX, was never served this document and never received notice of this Petition for Writ of XXXX XXXX or the Order of XXXX. I only discovered it after physically retrieving the case files from XXXX XXXX XXXX in early XX/XX/XXXX. 

I have never owned the alleged credit card associated with this case. 

My identity was stolen, and I never made any payments toward this account. 

There are no documents in the court file with my wet signature, nor any proof that I was lawfully served. 

No certified proof of service exists in the court record to verify that I was informed of this Petition in accordance with due process. 




BROKEN LAWS AND VIOLATIONS : XXXX. Failure to Serve Legal Documents Violation of Due Process Clause under the XXXX XXXX of the U.S. Constitution. 


XXXX. False or Fraudulent Representation of Debt Violation of the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. 1692e ( 2 ) false representation of the character, amount, or legal status of any debt. 


XXXX. Lack of Permissible Purpose to Collect or Report Violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 


XXXX. Deceptive Means to Collect a Debt Violation of FDCPA 15 U.S.C. 1692e ( 10 ). 


XXXX. Re-aging or Reviving a Judgment Without Notice Unlawful extension or restart of a time-barred debt without proper notice or service violates FDCPA and local court rules regarding dormant judgments. 


XXXX. Identity Theft Fraudulent use of personal identity under 18 U.S.C. 1028. 







EXHIBIT E- PAGE XXXX AFFIDAVIT OF NON-SERVICE, FRAUDULENT REVIVAL, AND IDENTITY THEFT REGARDING EXHIBIT XXXX PAGE XXXX : PETITION FOR WRIT OF XXXX XXXX AND ORDER OF XXXX XXXX OF XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX being of sound mind and over the age of XXXX ( XXXX ), hereby declare, affirm, and state the following under penalty of perjury pursuant to the laws of the United States and the State of Arkansas XXXX XXXX. I am the living woman known as XXXX XXXX, and I am the named Defendant in XXXX XXXX XXXX Case No. XXXX, styled Access Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX. I did not receive, and was never served a copy of the Petition for Writ of XXXX XXXX and Order of XXXX, filed on XX/XX/XXXX at XXXX XXXX  by Access Credit Management , Inc. in XXXX XXXX XXXX. 


XXXX. I discovered this document only after I personally retrieved all case documents from XXXX XXXX XXXX in early XX/XX/XXXX. This document was not mailed, hand-delivered, nor served in any legal manner to me at any time. 


XXXX. I do not owe the alleged debt referenced in the revived judgment. I have never owned the credit card related to this case. I made no payments on it. My identity was stolen, and any alleged use of this card was done by an unknown third party without my consent or knowledge. 


XXXX. Upon examining the court file, I found no documents bearing my wet signature, no contract showing I agreed to this debt, and no proof of lawful service for this or any related filings. 


XXXX. The revival of a judgment without my knowledge or lawful notice is a violation of my constitutional right to due process under the XXXX XXXX. 


XXXX. Furthermore, the actions of Access Credit Management , Inc. and The XXXXXXXX XXXX XXXX, including attempting to revive a judgment on an alleged debt tied to identity theft, without proper documentation or service, violate multiple federal and state consumer protection laws, including : FDCPA 15 U.S.C. 1692e ( XXXX ) : False representation of the character, amount, or legal status of any debt ; FDCPA 1692e ( 10 ) : Use of false representation or deceptive means to collect a debt ; FCRA 15 U.S.C. 1681b : Accessing or attempting to collect on credit information without permissible purpose ; 18 U.S.C. 1028 : Fraud and related activity in connection with identity documents and information. 



XXXX. I have never received notice, demand, or legal communication regarding the revival of this judgment, nor have I had an opportunity to challenge the allegations in court. 


XXXX. I hereby affirm that all the information in this affidavit is true, correct, and complete to the best of my knowledge, information, and belief. 



FURTHER AFFIANT SAYETH NAUGHT. 

Executed this ___ day of XXXX, XXXX. 

__________________________________ XXXX XXXX, Affiant XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARKANSAS, XXXX NOTARY PUBLIC Subscribed and sworn to before me this ___ day of __________, XXXX. 

__________________________________ XXXX XXXX XXXX XXXX Expires : _______________ EXHIBIT F IN THE XXXX XXXX XXXX XXXX, ARKANSAS XXXX DIVISION CASE NO. : XXXX XXXX XXXX XXXX XXXX Defendant MOTION TO STRIKE NOTICE TO TAKE DEPOSITION AND CHALLENGE SERVICE COMES NOW, XXXX XXXX XXXX XXXX Defendant in the above-styled matter, and files this Motion to Strike the Notice to Take Deposition issued by Plaintiff on XX/XX/XXXX, and respectfully states the following : XXXX. Improper Service : I was never served this document either in person or by certified mail. I did not receive this notice by mail, process server, or any legally valid method as required under XXXX  XXXX of XXXX XXXX. 


XXXX. Due Process Violation : This document was filed secretly and without my knowledge, depriving me of the right to respond or prepare, thereby violating my constitutional right to due process under the XXXX XXXX. 


XXXX. No Proof of Service Filed : There is no record or affidavit of service included with this filing. According to Arkansas law, a valid notice must be accompanied by documented proof of service, and without such, this document has no legal standing. 


XXXX. No Filed Subpoena : The notice states a deposition is scheduled without subpoena issued, which is a procedural defect. Arkansas XXXX of XXXX XXXX require proper subpoena or notice served on the party with ample time and confirmation of receipt. 


XXXX. Incorrect or Misleading Identity Use : The notice references " aka XXXX, XXXX '' without clarity or explanation. This adds confusion and appears to reference additional names or aliases that are not part of my legal identity, further compounding the flaw in notice. 


XXXX. Violation of Arkansas XXXX of XXXX XXXX XXXX & XXXX : Plaintiff has not followed the proper steps under XXXX XXXX and XXXX regarding notice and deposition procedure. Specifically, a party may only compel a deposition with valid notice and service that gives the recipient fair opportunity to respond and appear. 




RELIEF REQUESTED WHEREFORE, I respectfully request this Honorable Court : Strike the Notice to Take Deposition filed on XX/XX/XXXX. 

Issue an order that no deposition XXXX proceed until I have been properly served with valid notice in compliance with Arkansas law. 

Sanction the XXXX counsel, if the XXXX finds willful concealment or improper conduct. 


Respectfully submitted, XXXX XXXX XXXX [ Your Mailing Address ] XXXX XXXX XXXX XXXX XXXXXXXX [ Your Phone Number ] [ Todays Date ] EXHIBIT F AFFIDAVIT OF NON-SERVICE, FRAUDULENT SUBPOENA, AND IDENTITY THEFT STATE OF XXXX XXXX OF [ Your County ] I, XXXX XXXX XXXX, being duly sworn, depose and state under penalty of perjury as follows : XXXX. I am the Defendant in the matter titled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, filed in the XXXX XXXX XXXX XXXX XXXX Arkansas XXXX XXXX XXXX. 


XXXX. A document titled Notice to Take Deposition was filed on or about XX/XX/XXXX, and states that it was issued in compliance with Arkansas Rule of Civil Procedure XXXX by counsel of record for the Plaintiff and separate Subpoena issued with filing. 


XXXX. Arkansas Rule of Civil Procedure 69 governs execution of judgments and does not authorize secret or deceptive service nor allow service through third parties who are unverified or refuse identification. Furthermore, any subpoena issued must be properly served in accordance with Arkansas Rule of Civil Procedure 45, which requires proper personal service and an accompanying affidavit of service to be filed. 


XXXX. I did not receive proper service of the Notice or the XXXX as required by law. Instead, on or about XX/XX/XXXX, I was approached by an unknown individual who handed me an envelope containing a subpoena with no identifying server name, no contact information, and a blank server page. 


XXXX. The blank server page was labeled as XXXX XXXX in a document indicating there were XXXX ( XXXX ) pages total. However, no affidavit of service was included, and the individual delivering the document refused to identify themselves when asked. 


XXXX. The absence of a sworn affidavit of service and the refusal of the individual to disclose their identity renders the service legally invalid and in direct violation of Arkansas XXXX of XXXX XXXX XXXX, XXXX, and XXXX. 


XXXX. Furthermore, the notice contains names and identifiers such as aka XXXX, XXXX not recognized or authorized by me, which constitutes misuse of identity and creates a false legal record. I never gave permission for the use of those additional names. 


XXXX. This misuse of identity, coupled with improper service, indicates a deliberate act of deception and identity theft, and I assert that the XXXX XXXX XXXX knowingly participated in this action by filing this false and misleading subpoena and permitting unlawful service outside of the required legal process. 


XXXX. Based on these facts, I affirm that : I was not properly served. 

The subpoena was issued and delivered unlawfully. 

The XXXX Law Firm and/or its agents violated Arkansas Rules XXXX Civil Procedure XXXX and XXXX. 

I assert that identity theft has occurred and that I have suffered harm due to false attribution of names and unauthorized actions taken in my name. 


Broken Laws and Violations Related to the XXXX and XXXX XXXX. Arkansas Rule of Civil Procedure XXXX Insufficient or Improper Service of Process Requires personal service by a sheriff, deputy, or licensed process server. 

You were served by an unknown individual who refused to identify themselves. 

No affidavit of service was provided, violating Rule XXXX ( g ). 


Violation : Service is invalid without verified identity and affidavit. 




XXXX. Arkansas Rule of Civil Procedure 45 Subpoena Requirements Subpoenas must be issued under the courts authority and served properly with an affidavit or certificate of service. 

Subpoenas must clearly name the individual, contain accurate info, and be served by someone legally authorized. 


Violation : XXXX included a blank server page, was delivered by a non-verified third party, and did not follow Arkansas XXXX XXXX ( b ). 




XXXX. Arkansas XXXX of XXXX XXXX XXXX Execution of XXXX This rule pertains to collection of judgments and enforcement, not pre-judgment depositions or general discovery. 

Citing Rule XXXX as the basis for a deposition subpoena is legally incorrect and misleading. 


Violation : XXXX of XXXX XXXX to justify an unauthorized or invalid action. 



XXXX. XXXX XXXX, XXXX XXXX Violation of Due Process You were not given adequate notice or a fair opportunity to prepare. 

Secretly filing a deposition notice without valid service violates your constitutional right to due process. 


Violation : You were denied legal notice and meaningful participation in your defense. 




XXXX. Identity Theft / Misuse of Identity ( Fraud ) Arkansas Code XXXX Financial Identity Fraud Using names such as " aka XXXX, XXXX '' without your consent is a form of identity fraud if used to manipulate or misrepresent you in court. 


Violation : False aliases were applied without consent or legal proof. 




XXXX. Arkansas Rules of Professional Conduct Rule XXXX ( Candor Toward the Tribunal ) Attorneys must not mislead the court with false documents or statements. 

Filing a notice and subpoena with procedural defects and no legal service is deceptive. 


Violation : XXXX XXXX XXXX may have committed attorney misconduct by participating in improper and misleading court filings. 



XXXX. Arkansas XXXX XXXX Unauthorized Service of Process Only a sheriff, deputy sheriff, or appointed individual can legally serve process. 

A random unidentified third party can not legally serve subpoenas. 


Violation : A person not authorized under law delivered your subpoena, making it void and unlawful. 




XXXX. Arkansas XXXX XXXX XXXX with a Public Record If someone filed documents with false names, false procedure, or no supporting affidavits, it may be considered tampering.

Violation : Submitting a deposition notice under false procedural context may trigger this statute. 




Summary of Violations : Law / Rule Violation ARCP Rule XXXX Improper, unverified service ARCP Rule XXXX Subpoena with no affidavit, blank service page ARCP Rule XXXX Misused to justify invalid deposition XXXX XXXX Due process violation AR XXXX XXXX Identity fraud via false aliases AR Professional Conduct Rule XXXX Misleading court filings AR XXXX XXXX Unauthorized service by XXXX XXXX AR XXXX XXXX False or deceptive court record filing FURTHER AFFIANT SAYETH NAUGHT. 

Executed this ____ day of XXXX, XXXX. 




XXXX XXXX XXXX UCC XXXX NOTARY PUBLIC State of XXXX XXXX XXXX XXXX Subscribed and sworn before me this ____ day of XXXX, XXXX, by XXXX XXXX XXXX XXXX who is personally known to me or who has presented valid identification. 







XXXX XXXX XXXX XXXX XXXX Expires : _______________ EXHIBIT XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX CASE NUMBER : XXXX SUBPOENA XXXX  XXXX  Unlawful and Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, this document was Delivered to my address and handed to me by Unknown Server at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ARKANSAS XXXX This document states it was Issued on XX/XX/XXXX in compliance with Arkansas XXXX of Civil Procedure XXXX by XXXX record for the Plaintiff. 

However I never received it before XX/XX/XXXX The Third page is signed by : XXXX XXXX XXXX on Signature line XXXX XXXX, PA XXXX XXXX XXXX of The XXXX Law Firm P.O. Box XXXX XXXX, AR. XXXX XXXX To Whom It May Concern : I, XXXX XXXX XXXX, am the recipient of the attached subpoena, allegedly issued by the XXXX XXXX XXXX XXXX, Arkansas. However, I assert and affirm under penalty of perjury that : The subpoena was delivered by an unidentified third-party individual who presented no identification, badge, court order, or authority. 

There was no affidavit of service included with the subpoena. 

The XXXX of XXXX sheet was blank, unsigned, and missing any legally required delivery details such as date, time, and servers name. 

The person delivering the subpoena did not verify my identity, nor explain the nature of the documents being served. 


> This document was never court-stamped or filed into the XXXX XXXX XXXX XXXX and the fourth page of this four-page packeta required server affidavitis entirely blank, with no signature, name, date, or proof of lawful service. 


This constitutes fraudulent impersonation of a process server and raises grave concerns regarding : Identity theft, Violation of due process, and Illegal use of a false court summons under XXXX of law. 


This document is hereby recorded as XXXX XXXX for the record. 

Signed : XXXX XXXX XXXX UCC XXXX Date : EXHIBIT G AFFIDAVIT OF FRAUDULENT SERVICE & VIOLATIONS Affidavit of Improper Subpoena Service and Identity Misuse I, XXXX XXXX XXXX XXXX XXXX and affirm : XXXX. On or about [ insert date received ], I was approached by a stranger with no badge, ID, or official documents, claiming to deliver a subpoena from XXXX XXXX XXXX XXXX XXXX, for a deposition in XXXX XXXX XXXX. 


XXXX. I was not provided with an affidavit of service, nor any legal proof the individual was authorized to deliver court documents. 


XXXX. The server sheet was entirely blank, violating proper service rules required under Arkansas law and civil procedure. 


XXXX. This act lacks lawful validation and due process, and I reasonably believe it constitutes deceptive service, potentially using my name and legal information under false pretenses. 


XXXX. This act XXXX also amount to identity theft, as defined by : 18 U.S.C. 1028 Fraud in connection with identification documents.

15 U.S.C. 1681q Obtaining consumer information under false pretenses.

15 U.S.C. 1692e ( 14 ) Use of misleading or deceptive means by a third-party.

Arkansas Rule of Civil Procedure 45 Which governs subpoena issuance and service, requiring proper notice and identification by server. 



XXXX. I did not authorize any third party to use or disclose my legal name or personal address in this manner, especially under deceptive conditions. 

Here is a comprehensive list of state and federal laws potentially broken based on the situation you described and the subpoena shown in your image. The violations fall under civil procedure, identity protection, consumer rights, and criminal fraud statutes. 



FEDERAL LAWS POTENTIALLY BROKEN 1. 18 U.S.C. 1028 Fraud and Related Activity in Connection with Identification Documents XXXX Criminalizes knowingly using or possessing any false or fraudulent identification document or impersonating another individual to carry out fraud. 



XXXX. 18 U.S.C. 1341 Mail Fraud > If the subpoena was sent through the mail fraudulently by someone without authority, this law applies. 



XXXX. 18 U.S.C. 1343 Wire Fraud > Applies if digital methods ( email, phone ) were used in falsely coordinating or notifying you about the subpoena. 



XXXX. 15 U.S.C. 1681q Fair Credit Reporting Act ( FCRA ) Obtaining Information Under False Pretenses > If the firm or third party accessed your personal or financial information without a permissible purpose or under false identity. 



XXXX. 15 U.S.C. 1692e ( 14 ) Fair Debt Collection Practices Act ( FDCPA ) > Prohibits deceptive means, including pretending to be from a court or government entity to collect a debt or force compliance. 



XXXX. 42 U.S.C. 1983 Civil Rights Violation Under Color of Law > If the third party falsely posed as an officer of the court or law enforcement and deprived you of your civil rights without lawful authority. 



XXXX. 18 U.S.C. 241 Conspiracy Against Rights > If more than XXXX person was involved in creating or delivering the fraudulent subpoena to intimidate, harass, or deprive you of rights. 



XXXX. 18 U.S.C. 242 Deprivation of Rights Under Color of Law > Criminalizes the deprivation of rights under false or unlawful government authority. 



ARKANSAS STATE LAWS POTENTIALLY BROKEN ( You may adjust if in a different state ) XXXX. Arkansas XXXX XXXX Identity Theft > Using another persons identity or personal information ( e.g., legal name, address ) to impersonate or commit fraud. 



XXXX. Arkansas Rule of Civil Procedure XXXX Improper Service of Subpoena > Requires legal subpoenas to be issued by a clerk, attorney, or XXXX of the court and properly served by an identified adult or XXXX. 



XXXX. Arkansas XXXX XXXX Impersonating a Public Servant > A person commits a crime if they falsely pretend to be a court XXXX or legal server. 



XXXX. Arkansas Code XXXX Forgery or Fraudulent Legal Documents > Creating or distributing fraudulent legal documents or impersonating official process is illegal. 



XXXX. Arkansas Code XXXX Filing or Recording a False Instrument > If any fraudulent documents are filed in a court or submitted to any office, it constitutes a criminal offense. 



POTENTIAL CIVIL VIOLATIONS XXXX. Abuse of Process > Using a legal process ( like a subpoena ) improperly or without following legal rules to harass or pressure someone. 



XXXX. Negligent or Intentional Infliction of Emotional Distress > Causing emotional harm through knowingly improper or threatening conduct, especially when impersonating court authority. 



{$1000.00} per FDCPA violation ( 15 U.S.C. 1692k ) Actual damages and attorneys fees under FCRA ( 15 U.S.C. 1681n and 1681o ) Criminal penalties under federal identity theft laws Civil remedies for abuse of process and fraudulent service I therefore reject the validity of this subpoena delivery, demand accountability for the unauthorized process, and reserve all rights under consumer protection, identity theft, and due process law. 

FURTHER AFFIANT SAYETH NAUGHT. 

Signed : __________________________________ XXXX XXXX XXXX Date : ______________________ Notary Acknowledgment ( Notary Block Here ) EXHIBIT H - PAGE XXXX IN THE XXXX XXXX XXXX XXXX, ARKANSAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Plaintiff, v. 
XXXX XXXX XXXX XXXX XXXX, XXXX, Defendant CASE NO. XXXX EXHIBIT H - PAGE XXXX AFFIDAVIT SUPPLEMENTAL EVIDENCE IN SUPPORT OF DEFENDANTS OBJECTION AND AFFIDAVIT OF NON-SERVICE This page is submitted as additional support for the Defendant 's Notice of Objection , Affirmative Response, and Notice of Illegal Collection Activity, and Affidavit of Non-Service XXXX in response to Plaintiffs motion to deposit Defendants Negotiable Instrument i

Company response to consumer: Closed with explanation