Fraudulent Debt Collection Reported to Credit Bureaus Despite Police Report
A consumer had a fraudulent debt collection account appear on credit reports from a collector they never had dealings with. Despite filing a police report and sending it to relevant parties, the account persists on additional credit bureaus. Individual identity theft and debt collection complaint.
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Similar Problems
surfaced semanticallyIdentity Theft Victims Cannot Remove Fraudulent Accounts from Credit Reports
Victims of identity theft face a cycle of fraudulent accounts being added or re-added to their credit profiles despite filing identity theft reports and submitting supporting documentation. Credit bureaus like TransUnion repeatedly restore removed accounts, causing severe and compounding credit score damage. The lack of effective remediation mechanisms leaves victims with few options and long-term financial harm.
[FISERV FINXACT CORE] Attempts to collect debt not owed - Debt was result of ide
On XX/XX/year>, I received a letter by mail from XXXX collections, XXXX. It stated that I had a returned check with XXXX for {$55.00} ( and owed this amount ). I called and the rep ( a male ) that answered refused to give me any information until I provided him my phone number. He then claimed to ha
[Harris & Harris, Ltd.] Attempts to collect debt not owed - Debt was result of i
I have never had a XXXX account I have been a XXXX XXXX 's account holder for over XXXX years XXXX never used or ordered this and it is impacting my mortgage lending I have been trying XXXX obtain.
Debt Collector Harasses Consumer for Account Never Held
A consumer received repeated calls and texts from a debt collector claiming an account balance that the consumer never opened or authorized, despite multiple requests to cease contact. The collector failed to provide any chain-of-custody documentation, account agreements, or balance history when requested, yet reported the alleged debt to credit bureaus causing score damage and credit denials. Contact continued from rotating phone numbers even after explicit stop-contact demands.
Consumers pursued by debt collectors for debts they never owed
Debt collection agencies contact and report consumers for debts that were never theirs — often due to identity mix-ups, name similarities, or data errors in purchased debt portfolios. The problem recurs at scale with minimal accountability for collectors. Consumers face credit damage and harassment with no simple self-service path to resolution.
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