Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
In late XXXX of XXXX I had received a call from a debt collector company known as XXXX XXXX XXXX who is also known as Structured Settlement on an account that had been sold to them from a XXXX XXXX XXXX XXXX that had been shut down. It had turned out that because that the XXXX XXXX XXXX XXXXXXXX had closed permanently and my dispute packet was never received or finalized. The account had also been transferred to the debt collectors with no information about me trying to dispute this account that had been fraudulently opened with my information. I was then told by the collector on the phone that I could dispute the case with XXXX XXXX XXXX XXXX, but that I would have to start making payments toward it, and if the dispute was in my favor, than I would be receiving that money back. 
After XXXX months working to dispute this case and other fraudulent accounts that have been opened, it was removed from my credit report, and I had stopped making payments. I than received a call on XX/XX/XXXX about missed payments from this fraudulent account. I had explained everything and that this was removed from my credit report and they had no idea what was going on on their end. The collector then put me on hold for XXXX minutes to figure out something with my account and he hung up without telling me anything It was then on XX/XX/XXXX, in the evening while I was working, I received a call from XXXX of their collections account managers, who did not give me his name, who asked for my mother by name and tried to ask me about my assets, how much I make, and was starting to get angry that I was refusing to give him any of that information. He did not want to listen that I had police reports, an FTC identity theft report, emails from the private investigator on the identity, theft suspect, or anything else and he chose to threaten legal action, if I did not start paying the remaining balance immediately. I started to get upset because he was not listening to me, saying that I had my evidence that this account was fraudulently opened, and it was removed from my credit report and he threatened that they would put it back onto my credit report and take me to court. I had also asked them to send me another dispute packet because they failed to send me XXXX last year or take any of my calls over the several months that Ive been working on this case, but the collector shouted at me that we are past this point, and that because I had started making payments on this account that it was evidence that it was me that owns the account and that I was not a victim of identity theft. He began to shout, and I couldnt understand what he was saying so I proceeded to hang up so that I could call XXXX and get all of my information organized and to check my credit report to see if there are any mistakes that I may have missed and then I received an email from the collector who had called me, threatening, legal action if I had not responded in 30 days.

Company response to consumer: Closed with explanation