Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C.
State: AZ

Complaint narrative:
I noticed a new account appearing on my credit report that I had never applied for. I contacted Trident Asset Management and was told that no such account existed. The representative stated she would document the call and note the identitytheft issue in their system. When I reviewed my credit reports again in XX/XX/XXXX, the account was still present and was now appearing on all three credit bureaus, despite active identitytheft and fraud alerts on my file. I contacted Trident again on XX/XX/XXXX. The representative confirmed that there was no account opened in XX/XX/XXXX. After verifying my identity, she stated that the only account associated with my name was one opened several years ago an account already included in my identity theft packet. I asked how an account could be reported as opened in XX/XX/XXXX and simultaneously placed in collections that same month. She stated it was not a new account but an old one, which contradicts the credit reports open date and suggests the account was rereported or reinjected with a false date. During this call, I also confirmed that my identitytheft and fraud alerts were still active. Under federal law, when a consumer provides an identitytheft report, any fraudulent information must be blocked from the credit report within four business days. Despite this requirement, I was told the item would not be removed and that they would take 30 days to investigate before taking any action. This contradicts the protections provided to identitytheft victims and has caused renewed harm to my credit report. Company 's Response The {$1000.00} debt in question is the balance on a XXXX XXXX account with the following Trident Asset Management account number of XXXX. On XX/XX/XXXX, Trident emailed an initial collection notice to XXXX XXXX. This correspondence contained all the disclosures set forth in Section 1692g of the Fair Debt Collection Practices Act. On XX/XX/XXXX Trident emailed a subsequent collection notice. Trident has no record that either correspondence was returned as undeliverable. Tridents records reflect that we have received a call or correspondence directly or indirectly from XXXX XXXX. Trident investigated and matched the information on the complaint with the account information and documentation which was provided by the original creditor. This account will be reported as disputed to the credit bureaus. In response to this complaint Trident is emailing XXXX XXXX a subsequent collection notice and validation of this debt. XXXX XXXX XXXX have any questions, she can contact XXXX at XXXX, Monday Friday, XXXXXXXX XXXX XXXX XXXX XXXX I am stating that I never received any notification of anything regarding this matter outside of correspondence with the CFPB. Stating that the company " Thinks its mines '' is not the same as actually proving that it is mines. Furthermore, when I called, I was told there was no account present, so for this to go from no account present to suddenly a verified account is also a form of identity theft. This account was already disputed and previously included in my identity theft packet. The reporting dates are false and inconsistent, and the company 's response does not cure the violation.

Company response to consumer: Closed with explanation