Consumer complaint received 2025-10-15 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
I am requesting that the CFPB reopen my complaint against XXXX  Credit Card XXXX XXXX  XXXX Missouri for mishandling multiple fraud disputes and misrepresenting my actions as proof of ownership. XXXX  has provided inconsistent, misleading, and incomplete information in violation of the Fair Credit Reporting Act. 



Full Timeline of Events XX/XX/XXXX A XXXX  Credit Card account was fraudulently opened in my name. I did not apply for, authorize, or use this account. 
XXXX XXXX I received credit alerts about missed payments on accounts I never opened. I discovered unauthorized XXXX  accounts appearing under my name. 
XXXX XXXX I contacted XXXX customer service and fraud departments multiple times to dispute the accounts. No meaningful investigation was conducted. I requested account access to verify or correct information and was denied. 
XX/XX/XXXX I filed my first CFPB complaint ( # XXXX ). 
XX/XX/XXXX Fortiva issued a denial letter, claiming the account matched my address and phone number but failing to provide any signed application, IP logs, or proof that I opened or used the account. 
XX/XX/XXXX XXXX  responded to the CFPB claiming the account was accurately reported. 
XX/XX/XXXX I made a single payment of {$64.00} under duress after XXXX  and the credit bureaus refused to stop reporting the account as delinquent. I had to call in because I had no online access to the account. 
XX/XX/XXXX I filed a second CFPB complaint ( # XXXX ) citing XXXX refusal to reinvestigate. 
XX/XX/XXXX Filed a third CFPB complaint ( # XXXX ). XXXX  falsely claimed I logged in on XX/XX/XXXX, which is impossible because I never had credentials or access. 
XX/XX/XXXX I made a second protective payment of {$65.00}, again under duress, attempting to mitigate credit damage. 
XX/XX/XXXX XXXX most recent response repeats the same template language and now adds new inaccuracies : They claim I accepted and used the account despite never having done so. 
They reference monthly billing statements I never received. 
They continue to mark the account as accurate without presenting a single piece of verifiable evidence of authorization or use. 



Violations & Misrepresentation Summary XXXX. Failure to Conduct a Reasonable Reinvestigation Fortiva has failed to provide any documentation of a legitimate investigation as required under FCRA XXXX ( b ). 
XXXX. False and Misleading Reporting The company has misrepresented both payments ( made under duress ) and fabricated claims of account login as proof of ownership. 
XXXX. Use of Coercion By refusing to remove the account and damaging my credit, XXXX  coerced me into making payments on a debt that is not mine. 
XXXX. Pattern of Dismissal Fortiva has copied and reused identical response templates for all three CFPB complaints, demonstrating that no true reinvestigation has occurred. 



Requested Actions I respectfully request that the CFPB : XXXX. Reopen and consolidate my prior complaints ( # XXXX, # XXXX, # XXXX ). 
XXXX. Require XXXX  and the XXXX  XXXX Missouri to provide verified proof of authorization ( signed agreement, application logs, identity verification data, and transaction history ). 
XXXX. Require XXXX  to permanently remove all fraudulent accounts and related negative credit reporting if they can not provide proof. 
XXXX. Investigate XXXX false claim that I logged in to this account and their misrepresentation of payments made under duress. 
XXXX. Direct XXXX  to cease reporting this account until a verified reinvestigation is completed.

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