Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as my formal dispute, demand for validation, and notice of legal violations in response to your correspondence regarding the above-referenced account. I have reviewed your response and attached documentation. Your position is factually unsupported, legally insufficient, and non-compliant with federal and North Carolina law. I. FORMAL DISPUTE OF ACCOUNT I formally dispute this account in its entirety. I did not open, authorize, or benefit from this account. This matter involves identity theft and/or mixed file reporting. Your response fails to establish that I am the individual responsible for this account. I specifically dispute any association with the address : XXXX XXXX XXXX XXXX XXXX, NC XXXX This address is not mine and has never been my verified residential address. Any reliance on this address as part of your investigation or verification process is inaccurate and further supports that this account is the result of identity theft and/or a mixed consumer file. There appears to be another individual with the same or similar name whose information has been improperly associated with mine. This improper commingling of data has resulted in inaccurate reporting and demonstrates a failure to correctly identify the responsible party. Additionally, any reliance on public records or internal database information as a basis for verification is legally insufficient. Public records are not a valid or reliable method of identity verification, particularly in cases involving identity theft or mixed file errors. Such sources are inherently prone to inaccuracies, including mistaken identity and data merging, and do not constitute competent evidence that I opened or authorized this account. You can not rely on assumptions, internal conclusions, or unverified third-party data to meet your obligations under the Fair Credit Reporting Act. Proper verification requires documented, traceable evidence directly linking me to the account, including a signed application, verified identification, and proof of authorization. Your use of inaccurate address information, combined with reliance on insufficient verification methods, demonstrates a failure to ensure maximum possible accuracy and a failure to conduct a reasonable investigation as required by federal law. If you are unable to provide the requested documentation in compliance with applicable legal standards, you are required to immediately delete this account from all consumer reporting agencies and cease all collection activity. Continued reporting under these circumstances will be considered willful noncompliance and may subject your organization to liability for statutory, actual, and punitive damages. II. FAILURE TO PROVIDE PROPER VERIFICATION You claim the account is accurate, yet you failed to provide any competent evidence to support that assertion. Specifically, you did not provide : A signed application or contract bearing my signature Any government-issued identification used to open the account IP address, device data, or geolocation records Method of identity verification used at account opening Documentation showing I authorized any transactions Proof linking me directly to the alleged activity A conclusory statement that your information was used does not meet the legal standard for verification under the Fair Credit Reporting Act ( FCRA ). III. MATERIAL INCONSISTENCIES AND FRAUD INDICATORS Your own documents contain clear inconsistencies that support my dispute : A phone number ( XXXX ) allegedly used to activate the account is not my number and has never been associated with me Multiple conflicting addresses were used, including : XXXX XXXX XXXX Pl These discrepancies demonstrate either identity theft or a mixed consumer file, both of which require immediate correction and deletion. IV. FAILURE TO PROPERLY INVESTIGATE Despite being provided with : Government-issued identification Utility bill verifying my correct address Police report FTC Identity Theft Report You failed to conduct a reasonable investigation and instead relied on internal records. This constitutes a direct violation of : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to properly reinvestigate disputed information V. FALSE AND MISLEADING REPRESENTATION OF DEBT By continuing to report and attempt collection on an account that has not been properly verified, you are engaging in deceptive practices in violation of : 15 U.S.C. 1692e ( FDCPA ) False representation of a debt 15 U.S.C. 1692g Failure to provide proper validation VI. FORMAL DEMAND You are hereby demanded to provide the following within 15 days : 1. Signed application or contract 2. Copy of identification used to open the account 3. Full method of identity verification used 4. IP address and device data associated with account opening 5. Complete transactional history with proof of authorization 6. Documentation proving I personally incurred this debt If you are unable to produce the above, you must : Immediately delete this account from all credit reporting agencies Cease all collection activity VII. NOTICE OF INTENT TO ESCALATE Failure to comply will result in immediate escalation, including but not limited to : Additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ) Complaint filed with the North Carolina Attorney Generals Office Submission to the Federal Trade Commission ( FTC ) for identity theft enforcement Consideration of civil litigation for damages, including statutory and punitive damages VIII. PRESERVATION OF RIGHTS I reserve all rights under federal and state law. Nothing in this letter shall be construed as a waiver of any legal claims. CONCLUSION Your response does not meet the legal burden required to validate this account. You are reporting information that has not been verified with competent evidence and is materially disputed. Sincerely, XXXX XXXX Attachments ( Previously Provided ) : Government-issued ID Utility bill Police report FTC Identity Theft Report

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