Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ideal Collection Services, Inc.
State: TX

Complaint narrative:
Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. Only the name XXXX XXXX be present on my consumer report. The following names must be deleted as they are alias do not accurately represent me as the federally protected consumer. XXXX XXXX XXXX XXXX, XXXX And XXXX XXXX XXXX XXXX XXXX XXXX these are accurate names must be removed immediately. 

Only the address XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. EMPLOYERS XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Collection. This collection account does not accurately represent me. It is not connected to me in any way. This account has been furnished illegally without my consent via US 15 US C1681. This account must be delayed effective immediately. I am now acting out, which is my right under 15 USC 1692.

B this account status is open, which is illegal and inaccurate if this lead debt is in a collection. This company has acquired my information as a result of identity theft per 18 USC 1028. I never contacted or done any business with this company. 

Account name : XXXX XXXX XXXX XXXX Date opened : XXXX. XXXX, XXXX This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

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