Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
To Whom It May Concern, I am requesting that the CFPB reopen my complaint regarding fraudulent XXXX  Credit Card accounts reported under my name. Below is a full timeline of events, which shows that I have made multiple good faith attempts to resolve this matter, but XXXX  continues to mishandle my case and misrepresent the facts. 



Timeline of Events XX/XX/XXXX A XXXX  Credit Card account was fraudulently opened in my name without my authorization or consent. I did not apply for or authorize this account. 
Late XXXX I began receiving negative alerts on my credit report for missed payments. Upon review, I discovered that multiple XXXX  accounts had been opened in my name. 
XX/XX/XXXX XX/XX/XXXX I contacted XXXX  by phone to dispute the accounts. My disputes were not investigated, and I was given no resolution. 
XX/XX/XXXX I called again to follow up, since I had not received any information from XXXX. At this point, I asked for account access so I could at least protect my credit. I was denied. 
XX/XX/XXXX I filed my first formal CFPB complaint ( # XXXX ). In my complaint, I stated clearly that I did not open these accounts and had no access to them. 
XX/XX/XXXX XXXX XXXX XXXX  team issued a denial letter. They concluded the account was valid simply because the application listed my address and phone number. They ignored the fact that these identifiers can easily be used fraudulently. They did not provide any application documents, signatures, or digital evidence ( such as IP logs ) tying me to the account. 
XX/XX/XXXX XXXX  responded to the CFPB, again asserting the account was mine. They admitted they only marked the account as disputed but refused to delete it from my credit file. 
XX/XX/XXXX Out of fear of further damage to my credit, I made a single payment of {$64.00} under duress. I had to call XXXX  to make this payment because I have never had access to this account. This payment was made only to protect my credit report, not to acknowledge ownership of the debt. 
XX/XX/XXXX I filed a second CFPB complaint ( # XXXX ), again reporting the accounts as fraudulent and requesting removal. 
XX/XX/XXXX ( XXXX Response ) XXXX  responded that their position was unchanged, and they misleadingly pointed to the payment I made under duress as evidence that I owned the account. 



Why This Is a Problem 1. Payment Under Duress Misrepresented The payment I made was not an admission of liability. It was made because XXXX  and the credit bureaus were refusing to stop reporting the account as delinquent, and I was forced to protect my credit. 
Using this payment as proof of ownership is misleading and deceptive. 
XXXX. Lack of Proper Investigation XXXX  has never provided a signed application, account agreement, IP logs, or evidence that I ever received or used a XXXX  card. 
Instead, they are relying only on common identifiers ( address, phone number ), which are insufficient to prove account ownership under the Fair Credit Reporting Act. 
XXXX. Violation of My Rights Under the FCRA By continuing to report this fraudulent account without proper verification, XXXX  and the credit bureaus are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
They have also failed to conduct a reasonable reinvestigation as required. 



Requested Relief I request that the CFPB require XXXX  and the credit bureaus ( XXXX, XXXX, XXXX  ) to : 1. Conduct a full reinvestigation with actual supporting documentation ( application, signed agreement, digital application logs, and account access records ). 
2. Remove these fraudulent accounts and all related negative reporting if they can not provide such documentation.

3. Cease misrepresenting my protective payment as proof of ownership.

4. Update my credit files to reflect the removal of all fraudulent activity linked to these XXXX  accounts. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation