Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Formal Dispute of Fraudulent and Obsolete Account Reporting by I am formally disputing the accuracy XXXX XXXX XXXX XXXX RUBIN & ROTHMAN account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. Creditor Name : XXXX XXXX XXXX XXXX RUBIN & ROTHMAN Account Number : XXXXXXXX XXXX XXXX This account is fraudulent, inaccurate, and unauthorized. I never entered into any contractual agreement for this account, nor did I authorize anyone to do so on my behalf. Any signature or authorization associated with this account is fraudulent and does not belong to me. Under Sections 605B, 607 ( b ), and 611 of the FCRA, I demand the following immediately : 1. Complete deletion of this fraudulent account from my credit file 2. Immediate cessation of all reporting activity related to this account 3. Written verification of the deletion 4. A complete description of the method of verification used to validate this account 5. Copies of all documents bearing my alleged signature or authorization Please be advised that I am requesting competent legal evidence that I personally authorized this account. A computer-generated record or automated verification response is insufficient proof under federal law. Because this account involves identity theft and fraudulent activity, I have enclosed supporting documentation, including : - Government-issued photo identification - Proof of current address - FTC Identity Theft Report and/or police report - Signature comparison evidence - Copy of my credit report highlighting the disputed account If you are unable to produce original signed documentation proving that I legally entered into this obligation, you are required by law to permanently remove this account from all consumer reporting agencies immediately. Failure to comply with the Fair Credit Reporting Act may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney Generals Office, and potential legal action for reporting inaccurate and obsolete information. I expect this matter to be fully investigated and resolved within the timeframe required by federal law. Sincerely, XXXX XXXX

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