Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: SC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXount # XXXX XXXX XXXX XXXX ) Dear CFPB Representative, I am formally disputing the reporting of an account XXXX XXXX XXXX XXXX XXXX  now allegedly owned by Indebted ( Account Number : XXXX XXXX XXXX XXXX ), on my credit report. This debt is not mine and was fraudulently opened in my name. I am requesting that this account be immediately investigated and permanently removed from all credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Standards. 

Legal Basis for Dispute & Rights Violation Under FCRA 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and the data furnisher ( XXXX XXXX XXXX ) is legally required to conduct a reasonable investigation and correct or remove any unverifiable or erroneous data. 

Additionally, under 15 U.S.C. 1681s-2 ( b ), any data furnisher must verify the accuracy of the information they report to consumer reporting agencies ( CRAs ). 

This debt is impossible for me to have incurred, as I was XXXX  in XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX. During this period, I had no ability to open, use, or authorize any financial accounts. Any reporting of this account is a direct violation of federal consumer protection laws. 

Furthermore, under XXXX XXXX XXXX Standards, a data furnisher must ensure that only accurate, verifiable, and legally compliant information is reported to CRAs. XXXX XXXX XXXX  and Indebted have failed to adhere to these requirements, and their continued reporting of this account constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ), which prohibits false or misleading credit reporting.

Indebted Is Not the Original Creditor & Can not Report This Debt Indebted is not the original creditor and, therefore, has no legal authority to report this account on my credit report. Per 15 U.S.C. 1681b ( a ) ( 3 ), only parties with a permissible purpose can report or access my credit file. Indebted has not provided : A signed contract or agreement proving I authorized this account.

Verification that this account was legally incurred by me.

Proof that they have a lawful right to report this debt under the FCRA.

Their failure to provide this information while knowingly reporting inaccurate data is a direct violation of my rights under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Resolution Required I request that the CFPB take immediate action to enforce compliance and demand that : Indebted cease reporting this fraudulent account immediately.

All credit reporting agencies remove this account from my file.

I receive written confirmation that this account has been permanently deleted.

If this matter is not resolved promptly, I will pursue further legal action against XXXX XXXX XXXX, Indebted, and any CRA that continues to report this false debt for violations of my consumer rights under the FCRA, FDCPA, and applicable XXXX XXXX compliance standards. 

Thank you for your prompt attention to this matter. I expect a written response confirming the resolution of this dispute within 30 days as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation