Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Company Name : Contract Callers Inc. Original Creditor : XXXX XXXX Issue : Identity Theft / Incorrect Information on Credit Report / Improper Collection I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for continued collection reporting and inaccurate furnishing of a fraudulent account resulting from identity theft. This account does not belong to me. The account being reported is : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX Acct # : XXXXXXXX XXXX XXXX I previously disputed this account directly with XXXX and submitted a debt validation request. Instead of conducting a legitimate investigation into my fraud claim, XXXX improperly treated this as a standard debt validation matter and failed to address the identity theft issue. XXXX responded by stating they validated the account by obtaining confirmation from the creditor and sending a copy of a billing statement. A billing statement is not competent proof that I opened, authorized, or incurred this account. XXXX has failed to provide any evidence showing I personally entered into an agreement with XXXX XXXX. They have not provided : Signed service agreement Original application Account opening authorization Identity verification used at account setup IP address / device origination records Service activation authorization Any evidence proving I personally incurred this obligation This is critical because this is an identity theft claim, not merely a routine debt validation dispute. XXXX response incorrectly relies on FDCPA debt validation standards while ignoring the applicable Fair Credit Reporting Act requirements governing fraudulent accounts and inaccurate furnishing. I possess an official FTC Identity Theft Report documenting this fraud. Despite receiving notice that this account is fraudulent, XXXX continues furnishing derogatory information to consumer reporting agencies and damaging my credit. CCIs current reporting appears inconsistent and harmful, including derogatory collection reporting tied to an account that remains disputed as fraudulent. Under 15 U.S.C. 1681s-2 ( a ), furnishers may not report information they know or should know is inaccurate. Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation after receiving notice of dispute. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), identity theft accounts are subject to blocking protections when properly documented. XXXX failed to meaningfully investigate the fraud claim and instead relied solely on creditor confirmation and a billing statement. Simply confirming a balance with the original creditor does not prove that I incurred the debt. XXXX also acknowledged they continue reporting the account as disputed rather than deleting fraudulent information after notice. This continued furnishing is causing ongoing credit harm. Requested Resolution I am requesting that CFPB require XXXX XXXX XXXX to : Immediately delete this tradeline from all consumer reporting agencies Cease all collection activity regarding this fraudulent account Conduct a proper fraud investigation into account origination Confirm in writing that the account has been permanently removed Cease furnishing inaccurate information related to this account

Company response to consumer: Closed with explanation