Q: Do debt collection law firms have to check to facts if informed the debt is identity theft?
Do debt collection law firms have an obligation to review the facts such as credit reports and identity theft reports from CFPB, FTC, IC3 and police before they continue legal proceedings? In this case a credit card was opened in my name for 20k, my PII is in data breach(es) and I knew nothing about it before I was served complaint. I filed all reports and denied everything in my answer and sent debt validation letter to firm, which they did answer. I included in the letter the fact I reported and the report numbers from all 4 reports. If they were to look at the card statements they had they can see very wierd charges, all within a month of the card being opened (typical use by fraudsters) and they can see I have no debt other than mortgage and history is great, all paid off, all on time. Yet they don't care and moved forward to a scheduling order. If this is their income, buying charged off debt and making a profit from it, isn't there some sort of code of conduct they have to follow
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