Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
To Whom It May Concern, Re : Formal Dispute of Fraudulent Account Identity Theft / Failure to Properly Investigate ( FCRA & FDCPA Violations ) I am writing to formally dispute the continued reporting of a fraudulent account associated with Goodleap LLC that appears on my XXXX credit report. I have been disputing this matter since XX/XX/year>, and despite providing substantial evidence of identity theft, the account remains on my report. I have repeatedly requested verification of this alleged debt, including : The income information used at the time of application The identification documents allegedly provided Any supporting materials used to approve the loan Instead of supplying legitimate verification, Goodleap LLC has only provided an electronic contract containing a forged signature, which does not match my legal signature or the signature on my drivers license. Additionally, the documentation they referenced includes an old drivers license that I did not provide and that was used without my authorization. This alone should have triggered a full fraud review. I have been in continuous communication with both XXXX and Goodleap LLC, clearly stating that I did not authorize this account and that I am a documented victim of identity theft, supported by official documentation from the Social Security Administration confirming identity fraud. Given the nature of this alleged loan, the lack of proper verification is alarming. For any legitimate financial, real estate, or longterm agreement, it is standard practice to require : A governmentissued photo ID Proof of income ( paystubs, XXXX, tax returns, or bank statements ) Proof of residency In many cases, inperson verification or notarization None of these requirements were met or verified. The absence of these documents further demonstrates that this account was fraudulently opened and should never have been approved or reported. Despite the overwhelming evidence I have provided, the account continues to be reported, causing ongoing harm. This failure to conduct a reasonable investigation appears to violate the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX, XXXX, and XXXX, as well as provisions of the Fair Debt Collection Practices Act ( FDCPA ) requiring accurate reporting and proper validation of disputed debts. I am demanding the following actions : Immediate reinvestigation of this account by both XXXX and Goodleap LLC. Removal of the fraudulent account from my credit report if the furnisher can not provide legitimate, verifiable documentation proving the debt belongs to me. Suspension of all collection activity during the investigation, as required by law. Written confirmation of the results of your reinvestigation and the actions taken. Please treat this letter as a formal notice of dispute and a demand for compliance with federal consumer protection laws. I expect a timely and lawful response as required under the FCRA and FDCPA. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation