Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
On numerous times i have notified this Kenosian & Milele that is is either mistaken identity or identity theft. I have furnish FTC Identity report in the past. I have requested numerous time to give copies of Identification that was used to obtain this loan but never receive this. Kenosian only sends documents of the loan but not any legal ID that was used. I have contact my local Police dept to file a report but they need the copies of Identification used for their report. Kenosian refuses to send proper paperwork of any and all photos of Identification used. Instead they send ither documents of the loan which i am attaching but still no proof they have the correct person. I am asking once again to please send proper copies of Identification Used to obtain this loan. 






XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( KENOSIAN & MIELE ) RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation i requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I want copies of State government issued Identification showing picture and address of individual used to obtain this debt. Copies of all signature pages, not electronic signatures, used to obtain this debt. Dont just send copies of loan application with no names or address. You must send copies of proper Identification and signatures used by the individual to obtain this loan. Copies of all Government issued Identification you used to determine i was the individual responsible for this debt. Each request in the past, has been followed up with no proof of identity, and insufficient documentation of individuals identity used to obtain this loan. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. XXXX XXXX. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX  days for processing after I receive this information back. Best Regards, XXXX XXXX cc Federal Trade Commission

Company response to consumer: Closed with explanation