Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Revco Solutions , Inc. 
XXXX XXXX XXXX XXXX, OH XXXX Re : Dispute of Debt Collection Claim Reference Number : XXXX Account Number : XXXX Dear Revco Solutions, Inc. , I am writing to formally dispute the validity of the debt referenced above, which you claim was purchased from XXXX XXXX XXXX  and was previously disputed through XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, with the Consumer Financial Protection Bureau XXXX CFPB XXXX. Upon review, I firmly state that this account does not belong to me and is the result of identity theft, potentially stemming from the XXXX data breach. 
Under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), you are prohibited from communicating with me regarding this debt unless you can verify its validity. Furthermore, as this debt does not belong to me, I request the immediate cessation of all collection activities and the removal of this account from my credit report.

Basis for My Dispute : 1. Ownership of the Account : This account does not belong to me. I have never opened an account with XXXX XXXXXXXX XXXX associated with the referenced account number. 
XXXX. Identity Theft Connection : As a victim of the XXXX data breach, my personal information may have been used fraudulently to create or associate accounts without my knowledge or consent. This debt is a direct result of such fraudulent activity. 
XXXX. Inconsistent Information : The debt was previously disputed through XXXX XXXX XXXX XXXX, but no adequate verification of its validity was ever provided. The transfer of this account to Revco Solutions , Inc. without proper substantiation further undermines the credibility of this claim. 
XXXX. Violation of Verification Obligations : Under 15 USC 1692g, you are required to validate the debt upon request. To date, no legally sufficient documentation has been provided to demonstrate that this debt is valid, enforceable, or connected to me.

Actions Required : 1. Provide Debt Validation : If you believe this debt is valid, you must provide : o Signed account agreement showing my consent.

o Detailed statements verifying charges and payments.

o Proof that Revco Solutions , Inc. has the legal authority to collect on this account.

2. Cease All Collection Activities : Until the above validation is provided, cease all collection attempts, including phone calls, letters, and credit reporting.

3. Update the CFPB : Notify the Consumer Financial Protection Bureau of the dispute resolution process and ensure that this account is flagged as disputed during the investigation.

Documentation Attached : Copy of my government-issued ID ( if applicable ). 
Copy of my FTC Identity Theft Report. 
Documentation of previous disputes filed with XXXX XXXX XXXX XXXX and CFPB. 
I request that you acknowledge receipt of this letter within 30 days and provide a detailed response addressing the issues raised. Failure to comply with federal regulations may result in further action being taken, including filing a complaint with the CFPB, state attorney general, and other relevant regulatory authorities.

Thank you for your immediate attention to this matter. Please direct all correspondence to the address above and refrain from contacting me via phone as per my rights under 15 USC 1692c. 
Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Federal Trade Commission

Company response to consumer: Closed with non-monetary relief