Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: NJ

Complaint narrative:
Im filing this complaint to dispute the actions of Frederic I. Weinberg & Associates, P.C., who pursued legal action against me for a fraudulent account that I never opened. The account is allegedly tied to XXXX XXXX  XXXX, with a claimed balance of {$2100.00}. I want to make it clear : I have never had any relationship with XXXX. I did not apply for or authorize this account, and I have no idea how my information was used to open it. I first became aware of the account after reviewing my personal financial records. When I saw the account listed under my identity, I knew immediately it was fraudulent. The balance, the creditor, and all associated details were completely unfamiliar to me. I acted quickly to dispute the matter and attempted to stop any further damage, but unfortunately, the situation escalated. Despite never providing any documentation to validate the debt or prove I had any connection to it, Frederic I. Weinberg & Associates, P.C. still moved forward with legal action against me. I was never presented with any contract, agreement, or evidence connecting me to this account. Nothing was sent to confirm its legitimacy. Instead, this firm pursued legal action based on unverified and inaccurate information, without conducting a proper investigation. As a result, I have been severely impacted. This incident has caused emotional XXXX, financial disruption, and personal hardship. I have spent time and energy trying to defend myself against a debt that was never mine to begin with. This law firm acted irresponsibly and aggressively without properly verifying the identity of the alleged account holder. Their actions have placed an unnecessary burden on my life and violated my rights as a consumer. I am now taking formal legal action to address the harm thats been done. I have prepared a sworn affidavit affirming that I did not open this account. I am also filing a police report and reporting this fraud to other agencies, including the FTC, the Attorney Generals office and XXXX. I am actively working to vacate the judgment that was pursued based on this identity theft, and I will continue to take every legal step necessary to protect myself. The actions of Frederic I. Weinberg & Associates, P.C. violate my rights under federal law. Under the Fair Credit Reporting Act ( FCRA ), I have the right to block any information resulting from identity theft ( 15 U.S.C. 1681c-2 ) and to expect maximum possible accuracy in what is reported ( 15 U.S.C. 1681e ( b ) ). Under the Fair Debt Collection Practices Act ( FDCPA ), I also have the right to dispute a debt and request full validation ( 15 U.S.C. 1692g ). None of these rights were honored. This complaint is not just about a debt, its about the lack of verification, the harm caused by aggressive legal tactics, and the failure to respect my legal rights. I am asking the CFPB to review this firms conduct and take appropriate action. I am requesting that this fraudulent account and all legal and collection activity associated with it be removed from any record tied to my name. I did not open this account. I did not authorize this debt. I just want the harm reversed and my identity cleared.

Company response to consumer: Closed with explanation