Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information being reported about my XXXX XXXX XXXX account ending in XXXX, including the alleged amount of XXXX, as permitted under the Fair Credit Reporting Act ( FCRA ).

This account is inaccurate and associated with identity theft. Specifically : 1. False credit disputes beginning in XX/XX/XXXX have been made in connection with this account, apparently to manipulate the alleged, unverified alleged debt back onto the associated checking account for financial gain.

2. The alleged debt is unknown as to how it occurred, and still unverified at this time of writing. 
3. On my XXXX credit report, the account contains a " Resolved '' Fair Credit Billing Act ( FCBA ) dispute notation, despite me never filing a dispute under FCBA. 
4. On my XXXX credit report, a " Consumer disputes after resolution '' comment has been added, even though no true resolution was reached, as the fake disputes were never adequately investigated by XXXX  XXXX XXXX despite my multiple written requests. 
5. The account is not notated as being in litigation across XXXX XXXX, XXXX, XXXX and XXXX, which it currently is. 
XXXX  XXXX XXXX has not acknowledged suspicious activity related to this account that I did not initiate nor did Blitt and Gaines P.C. their attorneys. Despite this, my attempts to address these issues directly with XXXX  XXXX XXXX and their legal representatives, Blitt and Gaines P.C., have resulted in repeated delays and insufficient action. Blitt and Gaines have agreed to pause legal proceedings pending further investigation, but the negative impact on my credit continues. I have also called three times requesting the last contract on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had under this account. This of which still has not been sent to me, and with the first two requests being past 30 days of not receiving. Also, in the first CFPB complaint I did - XXXX in XXXX the accurate reporting letter sent to me was in error as I never did this dispute on the alleged balance, nor this account directly to XXXX XXXX XXXXXXXX , nor have I did a dispute on the alleged balance, and account in XX/XX/XXXX to return all alleged charges to the associated checking account. Twice this year, I have requested a sworn affidavit or declaration in regards to the account both in XX/XX/XXXX via USPS, with tracking numbers to both XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX and Blitt and Gaines P.C. - XXXX XXXX XXXX XXXX XXXX XXXX and, XX/XX/XXXX to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and Blitt and Gaines P.C. - XXXX XXXX XXXX XXXX XXXX XXXX. Both of which past 30 days to date in both requests from both companies after being shirked in regards to the identity theft.

I have enclosed the following documents to substantiate my claims : 1. FTC Identity Theft Report.

2. Police Report and associated case number provided by XXXX  XXXX XXXX that is : XXXX. 
3. Illinois Attorney General Identity Theft Affidavit.

4. Correspondence between myself, XXXX  XXXX XXXX, and Blitt and Gaines P.C.

5. The final checking account statement from XXXX  XXXX XXXX, the last XXXX card statement ( ending in XXXX ), and XXXX  XXXX XXXX notices showing fraudulent disputes on the account. 
XXXX. XXXX dispute information, along with XXXX and XXXX credit reports showing the aforementioned inaccuracies. 
7. A response from the Illinois Attorney General regarding this matter to Blitt and Gaines P.C.

This situation of identity theft has caused significant harm to my reputation and credit health. The failure to investigate and resolve these inaccuracies constitutes negligence under the FCRA.

I request the following actions from your agency : 1. Remove the Resolved FCBA notation and the Consumer disputes after resolution comment from my credit reports, as they are inaccurate and misleading.

2. Update the reports to reflect that I am actively disputing this account on this date of receipt, with supporting documentation provided.

3. Add a notation that this account is associated with identity theft.

4. Add a notation indicating that this account is currently in litigation.

5. The last contract I had with XXXX XXXX XXXX  as I still have not received it yet.

Company response to consumer: Closed with explanation