Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC
State: NC

Complaint narrative:
XXXXCompany complained about:XXXXAdmin Recovery, LLC (collecting for XXXX XXXXProduct: Credit card / debt collectionXXXXIssue: Attempt to collect debt not owed / identity theft / inadequate validationXXXXComplaint Narrative (copy/paste this):XXXXI am submitting this complaint regarding a debt collection letter I received from Admin Recovery, LLC attempting to collect an alleged XXXX XXXX debt that I do not owe and that I believe is the result of identity theftXXXXOn or about XXXX XXXX XXXX, I received a collection letter from Admin Recovery, LLC attempting to collect XXXX on an account referenced as XXXX XXXX account ending in XXXX XXXX XXXX XXXX. I have never opened, authorized, or used this account. I do not recognize this debt, the account number, or any underlying transaction. I believe this alleged account is fraudulent and may be the result of identity theft or misuse of my personal information.XXXX am disputing this debt in its entirety and I am requesting full debt validation and investigation. I am also placing the collector and XXXX XXXX on notice that I am treating this account as identity theft/fraud.XXXXPursuant to the Fair Debt Collection Practices Act (FDCPA), I am requesting that Admin Recovery, LLC provide, in writing, at a minimum:XXXXThe full name and address of the original creditor and current creditor,XXXXThe complete account number associated with this alleged debt,XXXXA copy of the original signed credit application or contract bearing my signature,XXXXA complete payment history and itemization of the amount claimed (XXXX), including principal, interest, fees, and any chargesXXXXCopies of monthly statements or transaction histories showing how this balance was incurred,XXXXDocumentation showing how Admin Recovery, LLC obtained this account (assignment, purchase, or placement agreement),XXXXAny correspondence, notes, or internal records that they claim link me personally to this account.XXXXUntil such documentation is produced, I do not acknowledge any obligation for this debt.XXXXI also request that Admin Recovery, LLC cease all collection activities on this alleged debt, including phone calls and further letters, except for providing the required validation and legally mandated notices. Any continued attempts to collect this debt without proper validation, or after notice of identity theft, may constitute violations of the FDCPA and the Fair Credit Reporting Act (FCRA) if they are furnishing or have furnished this account to any credit reporting agencies.XXXXIf this account has been or is being reported to any credit bureau, I request that Admin Recovery, LLC and XXXX XXXX immediately mark it as disputed, identify it as suspected fraud/identity theft, and remove or block the tradeline pending the outcome of a proper investigation. I am prepared to provide an identity theft report and supporting documentation if needed.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation