Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: OKX INC.
State: FL

Complaint narrative:
This letter serves as your formal notice under 15 U.S.C. 1681c-2 and 15 U.S.C. 1692g regarding a fraudulent account established via the XXXX XXXX Data Breach. You are currently attempting to collect a debt resulting from identity theft, which constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I. THE " ROOT CAUSE '' & FAILURE OF KYC The enclosed XXXX XXXX Data Breach Notification Letter confirms the theft of my sensitive PII ( SSN, DOB ). OKXs failure to prevent the creation of Account # XXXX using stolen data represents a catastrophic failure of your KYC ( Know Your Customer ) and XXXX protocols. This account was never authorized, owned, or controlled by me. 

XXXX. CONCLUSIVE FEDERAL DOCUMENTATION Enclosed are two federal filings that legally mandate the immediate cessation of collection activity : FTC Identity Theft Affidavit ( # [ Your No. ] ) : Under 15 U.S.C. 1681c-2, you are required to block this fraudulent data within 4 business days of receipt.

FBI IC3 Cybercrime Report ( # [ Your No. ] ) : This report documents the criminal " slow-drain '' of {$5000.00} and {$10000.00} withdrawals over a 2.5-month period. This is an active federal investigation into money laundering ; continued collection activity makes your firm an accessory to the laundering of stolen assets. 

XXXX. PROOF OF GEOGRAPHIC IMPOSSIBILITY the enclosed Xfinity Statement proves that during the 2.5-month window of the theft, my primary residence showed 0.0 GB of data usage. I was traveling and physically removed from any network or device that could have authorized these withdrawals. 

IV. THE {$380000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already completed its internal investigation and verified the fraud, resulting in a successful clawback of {$380000.00} from OKX. Despite the bank already making OKX whole, TSI continues to harass me for the balance. This is an illegal attempt at Double Recovery and Unjust Enrichment. 

FINAL SETTLEMENT DEMAND : To avoid immediate escalation to the Consumer Financial Protection Bureau ( CFPB ) and a private civil action for statutory and punitive damages, I demand a Letter of Non-Liability within 14 days confirming : Full cancellation of the {$380000.00} debt and permanent closure of the fraudulent account. 

Immediate deletion of all derogatory reporting from my credit file. 

A formal acknowledgment that I am not responsible for any activity on Account # XXXX. 

CEASE AND DESIST all telephone and digital communication immediately. Any further contact must be in writing via U.S. Mail. 
below are all documents which include FTC report, IC3, report, XXXX bill proving I was out of town when the transfers were happening as i was not even in XXXX. XXXX bank letter probing that my personal information was compromised. OKX ALSO GAVE XXXX XXXX XXXX a hold harmless agreement as confessed to me from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation