Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I Submitted a Complaint on this XXXX XXXX XXXX XXXX XXXX XXXX about a collection they put on my credit Report this send me an account itemization letter this not proof of this account. They are continuing to report XXXX that is info had been verified which sending me this account itemization letter is not proof. Under FDCPA my rights are being 16 CFR 433.2 ( b ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a purchase money loan.

16 CFR 433.3 ( b ) ( 2 ) - Open end credit arising from a consumer credit transaction.

Pursuant to 12 CFR 1002.2 ( a ), Account means " open end credit. 
" Your account number is the reference or instrument associated with that open end credit. Creditor - 16 CFR 433.3 ( b ) ( 4 ) - A contract which includes a waiver, condition, or limitation for a debtor to assert his rights for claims or defenses against the seller, is void. 

12 CFR 1026.13 ( c ) AFFIDAVIT Notice, it is a fact, affiant is aware, I did not recieve the required notice nor has the billing error been resolved and it has been two billing cycles and more than XXXX  days from my original billing corrected. This is a violation of 12 CFR 1026.13 ( c ).

16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act. 15 U.S.Code 1681a ( d ) 1681a ( d ) Consumer report - It can be oral, written or any other form of communication. A publication, a list, a phone call describing you, and used to determine, credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living for the purpose of credit, employment, insurance or anything authorized with permissible purpose is a consumer report. XXXX681 ( a ) ( 4 ) - Consumers right to privacy 15 USC 1 1692k ( a ) ( 2 ) ( A ) - XXXX dollars for each proceeding. To get a XXXX dollars per violation, you will use XXXX dollars as actual damage under 15 U.S.Code 1692k ( a ) ( 1 ) 1692k ( a ) ( 1 ) - Allows for any action of damage. 15 USC 1692j 1692j - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. 
Fraud found in a form is a false and deceptive form and a violation of this act. For example if you go and get a car after a consumer credit transaction, you went for a car and gave credit. Companies are known to make whats called asset accounts. You never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses you of owing a debt. The delivery of these forms via mail constitutes mail fraud. 
However this subsection would not be used from inception of a contract, only after when an alleged debt is in the process of being collected and there is fraud found. 15 USC 1692g ( a ) 1692g ( a ) - This does not validate a debt.

This simply is requirement on the debt collector.

Company response to consumer: Closed with explanation