Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. I am not the debtor. My personal information was unlawfully used to open a fraudulent account with XXXX XXXX XXXX XXXXXXXX, resulting in an alleged debt of {$2200.00} and/or any other amount associated with this judgment. This fraudulent debt was reported by XXXX XXXX XXXX XXXX XXXX, represented by the law firm WELTMAN WEINBERG & REIS CO LPA. This debt is not mine, and I never entered into any contract or agreement with XXXX XXXX XXXX XXXX. The debt was incurred without my knowledge or consent, and the judgment filed against me is completely fabricated. I did not authorize any transactions or agreements with XXXX XXXX XXXX XXXXXXXX, nor have I ever had any association with them. The fraudulent account was created using my stolen personal information, causing significant emotional, financial, and psychological distress. Despite the facts, XXXX XXXX XXXX XXXX XXXX continues to pursue me for payment of a debt that I did not incur. The actions of XXXX XXXX XXXX XXXX XXXX and the law firm WELTMAN WEINBERG & REIS CO LPA violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under FCRA 15 U.S.C. 1681e ( b ), all information reported to credit bureaus must be accurate, yet this fraudulent debt was reported without verification or authorization from me. Additionally, 15 U.S.C. 1681i ( a ) requires that any inaccurate information be investigated, but no such investigation has occurred, and this erroneous debt remains on my credit report. The actions of XXXX XXXX XXXX XXXX XXXX further violate FDCPA 15 U.S.C. 1692g, which mandates that debt collectors validate the debt they attempt to collect. No proof of this debt has been provided, and they continue to pursue collection efforts. Their actions also violate 15 U.S.C. 1692e ( 2 ), which prohibits misrepresenting the nature or amount of a debt. The ongoing collection of this fraudulent debt has caused significant emotional distress and financial harm. Moreover, under 15 U.S.C. 1681b, no one is allowed to access my credit report without my consent, yet XXXX XXXX XXXX XXXX XXXX accessed my credit file without authorization, further violating my privacy rights. Given these violations of both federal and state law, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these actions and take appropriate legal action. I demand that this fraudulent debt be removed from my credit report immediately and that any judgments, wage garnishments, or collection actions related to this fraudulent debt be vacated. This unlawful activity has caused ongoing harm, and I am seeking a swift resolution of these issues. The actions of XXXX XXXX XXXX XXXX XXXX and WELTMAN WEINBERG & REIS CO LPA are egregious violations of my consumer rights. I will pursue every available remedy to correct this situation and hold the responsible parties accountable for their unlawful actions.

Company response to consumer: Closed with explanation