Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Alorica Inc.
State: NJ

Complaint narrative:
Summary SST Card Services is reporting a XXXX late payment on my Experian credit report for an account ( # XXXX ) that I never applied for, never agreed to, and never received any card, statement, bill, or correspondence for. You can not be late on a payment you never agreed to make. SST does not have my mailing address and has never sent me a single statement or bill. Despite this, SST reported me 30 days past due, damaging my credit score and my ability to operate my small business. I previously disputed this account through XXXX XXXX investigation sided with SST, and my report now states Completed investigation of FCRA dispute consumer disagrees. I do disagree. SST must remove this late payment immediately. 

The Late Payment Is Fraudulent My XX/XX/XXXX XXXX credit report shows the SST/Tally account with the following details : Account # XXXX, opened XX/XX/XXXX Original balance : {$9700.00} Current balance : {$8600.00} ( updated XX/XX/XXXX ) Monthly payment : {$280.00} Type : XXXX unsecured installment loan Late payments reported : 1 ( 30 days past due ) XXXX comment : Completed investigation of FCRA dispute consumer disagrees A late payment can only be valid if the consumer has a legitimate payment obligation. I have no payment obligation to SST Card Services because : 1. I never signed a credit application or agreement with SST Card Services 2. I was never issued a credit card by SST Card Services 3. I have never received a single piece of mail from SST no welcome letter, no card, no statement, no bill, no correspondence of any kind 4. I have never received any electronic communication from SST 5. I have never spoken with anyone at SST Card Services SST does not have my mailing address. If SST had a legitimate account in my name, they would have my address and would have been sending monthly statements for over four years. The complete absence of any communication from SST proves they do not have a legitimate account with me. A company that has never sent me a bill can not report me as late for not paying that bill. 

Prior Dispute Failed I previously disputed this account through XXXX XXXX investigation did not result in removal of the tradeline or the late payment. My XXXX report now carries the notation Completed investigation of FCRA dispute consumer disagrees. This means SST was contacted during the investigation and verified the account - but SST can not legitimately verify an account that was never opened with my knowledge or consent. SSTs verification was false, and XXXX investigation was not reasonable under FCRA 1681i. 

The Coercion SSTs reporting creates a coercive trap : either I make $ 286 monthly payments on a debt I never agreed to, or SST reports me as late and damages my credit. This is not a legitimate creditor-debtor relationship- it is extortion through the credit reporting system. The 30-day late payment currently on my report is the direct result of this coercion. I refused to pay a debt I do not owe, and SST punished me with a derogatory mark. 

Impact I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who launched XXXX XXXX XXXX in XX/XX/XXXX XXXX My XXXX score has dropped from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX - a XXXX decline- despite never missing a single payment on any credit card account I actually agreed to. Late payment marks are one of the most damaging items on a credit report. This single fraudulent late payment from SST is actively harming my ability to obtain business financing, maintain vendor relationships, and sustain my practice. 

I am also the mother of a five-year-old son. I launched my practice to have a better work-life balance and be more present for him. Instead, I am spending my time fighting a company that is reporting me as late on a debt I never agreed to, for an account I never opened, from a company that has never once contacted me. 

Legal Basis FCRA, 15 U.S.C. 1681s-2 ( a ) - Furnishers must provide accurate information to credit bureaus. Reporting a late payment on an account the consumer never agreed to is inherently inaccurate.

FCRA, 15 U.S.C. 1681s-2 ( b ) - Upon notice of a dispute, furnishers must conduct a reasonable investigation. SST falsely verified this account during XXXX prior investigation despite having no signed agreement and no mailing address for me. 
FDCPA, 15 U.S.C. 1692e - Using false or deceptive representations in connection with debt collection, including reporting a debt - and late payments on that debt - that the consumer does not owe.

FCBA, 15 U.S.C. 1666 - SST has never provided a single billing statement, yet reports late payment history. You can not be late on a bill you were never sent.

N.J. Consumer Fraud Act, N.J.S.A. 56:8-1 et seq. - Treble damages for unconscionable commercial practices, including coercive credit reporting to force payment on debts the consumer never agreed to.

Company response to consumer: Closed with explanation