Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX ATTN : Compliance Department XXXX XXXX XXXX XXXX, NY XXXX RE : Dispute of Debt Ownership - Account Not Originated with Your Company To Whom It May Concern, I am writing to formally dispute the debt your company is attempting to collect in connection with an alleged student loan ( or other loan ). This account does not originate from your company, and I do not acknowledge any business relationship or legal obligation to repay a debt to XXXX XXXX XXXX. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide documentation that proves this debt has been legally assigned or transferred to your company for collection. Specifically : 1. The original creditor 's name and full chain of ownership ; 2. A full itemization of the amount allegedly owed ( principal, interest, fees, etc. ) ; 3. A copy of the original loan agreement or promissory note bearing my signature ; 4. Documentation showing your company has legal authority to collect this debt.

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report only accurate and verifiable information to credit reporting agencies. Reporting a debt without clear origin or legal transfer violates both my rights under the FCRA and my right to due process.

I also assert my right under FCRA Section 1681c-2 to block the reporting of any fraudulent, inaccurate, or unverifiable information on my credit report, particularly if this debt is the result of identity theft or improper assignment. 
Until you provide evidence of legal authority and complete documentation regarding this account, you must cease all collection activities and stop reporting this account to any credit bureaus. 
Continued collection efforts without legal proof of assignment constitute a violation of federal law and XXXX result in legal action. 
Please respond in writing within 30 days, as required by the FDCPA. 

XXXX XXXX XXXX Center XXXX XXXX, Apartment XXXX XXXX, TN XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX ATTN : XXXX Department XXXX XXXX XXXX XXXX, NY XXXX RE : Identity Theft Dispute and Request to Cease Collection - Account Not Authorized To Whom It XXXX Concern, I am writing to formally dispute the validity of the debt your company is attempting to collect. My identity has been breached on XXXX separate occasions, and I believe this alleged debt is a direct result of fraudulent activity. I did not authorize or initiate any transaction related to this account and do not acknowledge any responsibility for this debt. 
This letter serves as my formal statement under the Fair Credit Reporting Act ( FCRA ), specifically * * XXXX XXXX. XXXX * *, which requires consumer reporting agencies to block the reporting of information resulting from identity theft upon proper notice from the consumer. I am exercising that right and requesting that you cease all collection efforts and cease reporting this account to any credit bureaus. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA - XXXX U.S.C. XXXX ), I am demanding that you provide : XXXX. Documentation identifying the original creditor and the full chain of custody of the account ; XXXX. A copy of any agreement or contract bearing my signature ; XXXX. Proof of your legal authority to collect on this debt. 
As this debt was the result of identity theft, any continued collection activity, including reporting to credit bureaus, without proper investigation and documentation, constitutes a violation of my rights and federal law. Please consider this account fraudulent and remove all references from your system immediately. 
I expect your written response within 30 days as required by the FDCPA. 
Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation