Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I found out on my credit report that Service Finance ( a company I had no prior contact with ) was charging me {$50000.00} for something, so I contacted company to find out what was going on. I spoke with a representative on XXXX with XXXX, and informed them of the fraudulant/unauthorized account and that I hadnt opened or authorized, she said she had to update address to mine since address was differnt on file. 
She stated it was opened by XXXX XXXX XXXX ( a company I hadnt heard about or done any business with ) she then said she had to transfer me to complaint departmant. Was transfered to XXXX XXXX she said it was for XXXX XXXX and we let her know we havent had any turf or other repairs dont to the house. She said the account had a phone number ending XXXX with instructions of do not call no contact. 
She said she had to update phone number to my current number.She advice we would need to send reports and pictures to complaint department that would reach out later after holidays. And only attempted to collect payment for account. Told them I would not pay for an account I didnt open. She said to wait for holidays to pass since noone will be there till after to contact. 
She said she would send email for contact, and the one she had was XXXX which was incorrect. 
She updated to my email of XXXX XXXX to wait to be contacted. An email she sent had the address of a property XXXX havent lived in or know anything about. 

Went and filed police report REPORT NUMBER : XXXX Filed complaint with FTC Started reciving repeated calls from company but they only wanted to collect payment and refused to escalte calls to address fraud. 

Contacted company again spoke with XXXX from XXXX XXXX about the fraudulent account, said he would foward information to proper account, sent him email, of reports FTC, local police, ect. 

No further reach out by company except to try and continue to collect payment Sent a certified formal dispute letter from the FTC for identity theft. 

XXXX responded saying that after XXXX investigation they have determined it to be valid. 

ReCap : A fraudulant acct was opened under my name, for supposed $ XXXX XXXX  on an address I have never lived at or had anything to do with in a diffrent city than i currently live in, by a supposed company I have never heard of and googling it doesnt appear to be a legit company near me. With a fake email address, false phone number, XXXX XXXX was unfortunatly scammed but is trying to lazily and delibritly trying to make me pay for thier mistake of not verifing things most banks Ive heard of do. They have provided no proof that I was involved. And its was so plainfully obviously frauduently done that XXXX XXXX continued negligence is apalling. 

Falsified Phone number Falsified address Falsified email address Falsified " Work '' done on any property XXXX XXXX XXXX XXXX Falsified application ( as in not done by me so cant attest to whats on it ) There couldnt possibly be any more red flags. 

I would appreciate if this could be resolved as quickly as possible, this has already negativly affected my financial status, my health and my XXXX  well bieng. Thank you.

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