Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : Failure to follow the Fair Credit Reporting Act ( FCRA ) ; improper denial of fraud/IDtheft claim ; failure to investigate ; continued reporting of fraudulent account ; damages caused by inaction. 

Summary of the Complaint I am filing this complaint because XXXX XXXX XXXX  has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding an account that was opened fraudulently in my name. Despite notifying the company that the account was the result of identity theft, they improperly denied my fraud claim, failed to conduct a reasonable investigation, and have continued to report the account to the credit bureaus. 

Their actions violate multiple sections of the FCRA and have caused ongoing harm to my credit, time, and financial wellbeing. 

Details of the Issue Fraudulent/ID Theft Account Opened An XXXX XXXX XXXX account was opened without my authorization. I did not apply for, open, or use this account. 

Improper Denial of Fraud Claim After reporting the account as fraud/ID theft, XXXX XXXX XXXX denied my claim without providing any valid basis or evidence. Their denial contradicts the documentation I provided and fails to meet the FCRAs requirement for a reasonable investigation. 

Failure to Follow FCRA Requirements They failed to conduct a reasonable reinvestigation under FCRA 611.

They continued to furnish information they knew or should have known was inaccurate, violating FCRA 623 ( a ) ( 1 ) ( A ).

They failed to block or remove fraudulent information after receiving an identitytheft report, violating FCRA 605B.

They did not contact me for additional information or clarification, despite being required to do so when a claim is unclear or incomplete. 

Failure to Communicate or Address the Fraud XXXX XXXX XXXX  has repeatedly failed to respond appropriately, failed to reach out for needed information, and failed to correct the fraudulent account. Their lack of communication has prolonged the issue and increased the damage.

Continued Reporting of Fraudulent Account Despite being notified that the account is fraudulent, they continue to report it to the credit bureaus, harming my credit profile and causing additional stress and financial impact. 

Harm and Damages Because of XXXX XXXX XXXX failure to follow federal law : My credit report continues to show an account that does not belong to me. 

My credit score has been negatively affected. 

I have spent significant time and effort trying to resolve an issue that should have been corrected promptly under the FCRA. 

Their inaction has caused emotional distress, financial inconvenience, and ongoing damage. 

Requested Resolution I am requesting the following : Immediate removal of the fraudulent XXXX XXXX XXXX account from all credit bureaus. 

Written confirmation that the account has been permanently deleted. 

Correction of all negative reporting associated with this fraudulent account. 

A full explanation of why my fraud claim was denied and documentation of their investigation. 

Assurance that no further attempts will be made to collect on or report this fraudulent account.

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