Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Debt Holdings, LLC
State: MO

Complaint narrative:
On XXXX XXXX, 2026, a voicemail was left with me from XXXX XXXX XXXX ( XXXX ) that was an attempt to collect an alleged debt and violated the Fair Debt Collection Practices Act 's requirements for a limited content message. I complained to the CFPB ( XXXX ) and Missouri Attorney General ( XXXX ), and my requests included that XXXX validate and substantiate the alleged debt they were attempting to collect. While XXXX closed the account, they neither validated nor substantiated the alleged debt. I am attaching XXXXXXXX XXXX response to both the CFPB and the Missouri Attorney General 's Office. On XX/XX/year>, I began receiving phone calls from XXXX XXXX XXXX XXXX XXXX ( XXXX ), which were also attempts to collect an alleged debt. I also submitted consumer complaints, requesting the alleged debt be validated and substantiated, and to receive the chain of title. XXXX did provide the relevant information in a timely manner, all of which I am attaching to this complaint. The alleged debt was for an installment loan in my name through XXXX XXXX, a payday loan company. However, this was not a loan I applied for. While the person who applied for the loan online used my name, address, and social security number, XXXX XXXX never requested to see a state-issued ID. I have confirmed from multiple persons at XXXX XXXX that they did not request to see such an ID, and they do not have that document or any other physical identity verification on file. It seems that XXXX XXXX neither requested an ID, nor did they make inquiries with any of the three major credit bureaus. Moreover, the email address ( XXXX ) and phone number ( ( XXXX ) XXXX ) on the customer agreement with XXXX XXXX are not mine. If XXXX XXXX substituted other means of identity verification in place of requesting a state-issued ID and did not verify information through the three major credit bureaus, that means other information like the phone number and email address used should have been even more critical pieces of information that would have been red flags for fraudulent activity. Had XXXX XXXX properly vetted their customer, there should have been significant red flags that would have prevented this loan from being approved. I have reported this instance of identitytheft.gov and will attach that document. I have also reported the fraud and identity theft to XXXX XXXX, and they agree this loan was fraudulent. I will provide a copy of their email confirming this. The documentation provided to me by XXXX shows that the fraudulent debt is currently owned by National Debt Holdings, who appears to be a passive debt buyer. Now, XXXX says they have no knowledge of XXXX, and the chain of title documentation provided to me shows no information about XXXX. I have attached all of the documentation provided to me by XXXX at the time of submitting this complaint. However, since National Debt Holdings placed this fraudulent debt with XX/XX/year>, it is entirely possible that it had been previously with XXXX, and that documentation of this never made it to XXXX. I am raising this consumer complaint for two reasons : 1 ) XXXX says they have returned the fraudulent debt to National Debt Holdings and closed the account. I need to ensure that National Debt Holdings will not make any additional attempts to collect this fraudulent debt from me personally, and that this fraudulent debt not be associated with me in any way. I request that National Debt Holdings take these actions promptly. 2 ) I need to know the full collection history of this fraudulent debt, including whether it had been placed with XXXX prior to XXXX 's collection efforts. This will enable me to determine if XXXX and XXXX were attempting to collect the same fraudulent debt, or if there is potentially a second instance of identity theft that I am not currently aware of. I request that National Debt Holdings provide me a ) the full chain of title for this fraudulent debt, and b ) all other information that I am entitled to as a victim of identity theft under the Fair Credit Reporting Act and all other applicable state and federal laws. I ask that at a minimum, the requested documentation be uploaded to the CFPB portal in response to this complaint. They also welcome to mail me physical copies, but I request electronic copies specifically because they will likely be available to me sooner and allow me to more promptly take any other remedial action needed to address all of the identity theft that has occurred.

Company response to consumer: Closed with explanation