Consumer complaint received 2026-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Subject : Unauthorized Fortiva Retail Credit Account, XXXX XXXX XXXX, and Failure to Conduct a Reasonable Investigation I am filing this complaint regarding a Fortiva retail credit account that I did not know existed until I received notice that it was reporting a late payment on my credit report. When I contacted Fortiva to determine why I was receiving a late payment notice for an account I did not recognize, I was informed that the account was associated with an XXXX security system purchased in 2022. This was the first time I became aware that a Fortiva retail credit account had been opened in my name. At no time did I knowingly apply for, request, or authorize the opening of a Fortiva retail credit card. My understanding was that I was entering into an agreement for XXXX security equipment and services. I was never informed that a revolving retail credit account would be opened in my name. Had this been clearly disclosed, I would not have agreed to it. After discovering this account, I filed an Identity Theft Report with the Federal Trade Commission after learning that my personal information had been compromised in the XXXX XXXX breach. I notified Fortiva of my dispute and also disputed the account with Equifax, Experian, and TransUnion. Despite my disputes and FTC Identity Theft Report, Fortiva continues to furnish this account to the consumer reporting agencies. Likewise, XXXX, XXXX, and XXXX have repeatedly verified the account as accurate without providing me with the documentation I requested to support their conclusions. Neither Fortiva nor the credit bureaus have provided me with the original signed credit application, electronic signature records, account authorization, or any evidence demonstrating that I knowingly authorized the opening of this retail credit account. The reporting history is also highly concerning. The account was reported as closed and reflected a positive payment history for an extended period. Later, without my knowledge, the account began reporting increasingly severe late payments, causing significant damage to my credit profile. I request that Fortiva and XXXX produce the following : * The original credit application. * All Truth in Lending Act ( XXXX ) disclosures. * Every document bearing my signature or electronic signature. * The complete electronic signature XXXX XXXX. * Any recordings or documentation from the XXXX sales process. * The complete account history, including payment history and internal account notes. * Documentation demonstrating that I knowingly and voluntarily authorized the opening of a Fortiva retail credit account I also request that the CFPB investigate whether Fortiva fulfilled its obligations as a furnisher under the Fair Credit Reporting Act by conducting a reasonable investigation after receiving notice of my disputes, and whether XXXX, XXXX, and XXXX conducted reasonable reinvestigations before continuing to verify this account as accurate. If Fortiva can not produce competent evidence that I knowingly authorized this account and that the information being furnished is accurate, I request that the account and all associated derogatory information be deleted from XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief