Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Gurstel Law Firm , P.C . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Alleged Debt Current Creditor : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance Claimed : {$1200.00} Your File : XXXX Court File No. : XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt referenced above. I do not recognize this account or the claimed balance of {$1200.00}, and I believe this matter may involve identity theft or other fraudulent activity. I am a documented victim of the XXXX XXXX data breach, during which my personal information was compromised. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request full validation of the alleged debt, including : A copy of the original contract, agreement, or application bearing my signature A complete itemized accounting showing how the balance was calculated Documentation showing ownership of the alleged debt by XXXX XXXX XXXX, XXXX Documentation establishing Gurstel Law Firms authority to collect or litigate on this account Until such documentation is provided, I asseRandy A. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Gurstel Law Firm , P.C . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Alleged Debt Current Creditor : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance Claimed : {$1200.00} Your File : XXXX Court File No. : XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt referenced above. I do not recognize this account or the claimed balance of {$1200.00}, and I believe this matter may involve identity theft or other fraudulent activity. I am a documented victim of the XXXX XXXX data breach, during which my personal information was compromised. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request full validation of the alleged debt, including : A copy of the original contract, agreement, or application bearing my signature A complete itemized accounting showing how the balance was calculated Documentation showing ownership of the alleged debt by XXXX XXXX XXXX, XXXX Documentation establishing Gurstel Law Firms authority to collect or litigate on this account Until such documentation is provided, I reserve the right to dispute the debt and request that all collection activity cease, as required by federal law. I am also reporting concerns regarding Gurstels collection practices to the XXXX Attorney Generals Office and the Federal Trade Commission. Please send the requested validation documents to me in writing. If you can not validate the debt, please confirm in writing that the account has been closed and all collection activity has ceased. Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX rt my right to dispute the debt and request that all collection activity cease as required by federal law. I am also reporting concerns regarding Gurstels collection practices to the XXXX Attorney Generals Office and the Federal Trade Commission. Please send the requested validation documents to me in writing. If you can not validate the debt, please confirm in writing that the account has been closed and all collection activity has ceased. Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX this organization has failed to produce as requested above, this writer

Company response to consumer: Closed with explanation