Debt collection -- Attempts to collect debt not owed -- Complaint #18970385
Complaint Overview
Complaint ID: 18970385
Company: Aes/Pheaa
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Indiana
ZIP Code: 46220
Date Received: 2026-01-23T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon careful review, these inquiries are : XXXX. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries. XXXX. Reported in violation of FCRA 604 ( a ) ( XXXX ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law. XXXX. Incomplete reporting under XXXX XXXX standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a XXXX XXXX field compliance error, which mandates correction or deletion. As you are aware, XXXX automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated. I demand the immediate removal of these inquiries within XXXX days, as required by law, and that a written confirmation of deletion be sent to me upon completion of your reinvestigation. If these unauthorized inquiries are not removed ; I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators for non-compliance and violation of my consumer rights. This is your final notice. The use of automated response systems ( e.g., XXXX ) is insufficient, and I will not tolerate a form letter response. This dispute requires manual handling and proper documentation of investigation steps to ensure compliance. Failure to remove these inquiries constitutes a serious violation of federal law and consumer protection regulations, and I will pursue all available legal remedies without further notice.
Frequently Asked Questions
What is Complaint #18970385 about?
Complaint #18970385 was filed against Aes/Pheaa regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-23T12:00:00-05:00.
How did Aes/Pheaa respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Aes/Pheaa?
Yes, visit the Aes/Pheaa company profile at readthecomplaint.com/company/aes-pheaa to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.