Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: PA

Complaint narrative:
I am submitting this complaint because the AAFES/Military Star account appearing on my credit report is fraudulent and not authorized by me. I filed an FTC identity Theft Report documenting my personal information used without my permission. I also notified the credit bureaus in writing that these accounts do not belong to me and requested an investigation under the Fair Credit Reporting Act ( FCRA ). Under FCRA 602 ( A ) and FCRA 603 ( q ), an account that results from identity theft is considered inaccurate and must be blocked. Under FCRA 611, the credit bureaus are required to conduct a reasonable re-investigation. Under FCRA 605B, when an FTC identity Theft Report is provided, the credit bureaus must remove or block all information resulting from identity theft within four business days. Despite my dispute and the FTC report, the XXXX and Military Star accounts are still being verified and reported as valid. This is causing significant financial harm, lowering my credit score, and affecting my ability to be approved for credit. These accounts are not mine, and no creditor has provided documentation bearing my signature or any valid proof that I opened or authorized these accounts bearing my signature and contract with address personal information credit application. I am requesting that the credit bureaus and the companies involved follow the FCRA and remove or block these fraudulent accounts immediately, as required by law. 

I am requesting validation of ownership via proof of signature, the statements you are sending and sharing do not belong to me. My information was compromised for an XXXX  XXXX XXXX which CFPB can also look into ( XXXX ) ( This debt that illegally should not be reporting on my credit report )... 

Ive been a victim of identity theft, my credit report reflects as such, and have made the bureaus very clear of my intent to sue for defamation of character. 

Block and Remove Fraud from My Consumer Report I am writing to inform you about a very alarming and important issue regarding the compromise of my Social Security and/or other personal information, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC report with LOCAL LAW ENFORCEMENT AND HAVE ADDED POLICE REPORT AS WELL ALONG WITH EMAIL CONFIRMATION THAT IT WAS RECEIVED BY A DETECTIVE. 

An extended fraud alert was placed on my account with XXXX Bureaus. 

Just to reiterate, AAFES, does not have any proof of signature which is required to open a credit card account in someones name. ( If you do, it's a result of literal identity theft which is why I have # 2 Police Reports attached. One for Fraud and the other for lost Property ). I want to emphasize the gravity of this matter in my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as followed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 US code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 US Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S Code 1681e - Requirements relating to information containing consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process. XXXX XXXX XXXX XXXX has been my address for the past two years. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to ALL BUREAUS as I also will be sending the same information to them as well.

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