HSBC North America Holdings Inc. Credit Card Complaint

HSBC North America Holdings Inc. Credit card department,

Identity theft / Fraud / Embezzlement Florida

In -, -, I pulled my credit report and found an account I was not familiar with that was in collections with a company named - - -. It stated that it was a closed credit card account and the original creditor was HSBC. On - -, -, I sent a request for debt validation to both - - - and HSBC regarding this account. - responded on - -, -, stating they could not validate the debt and would instruct the credit reporting agencies to remove the - account from my credit report. HSBC never responded. In -, -, the credit entry by - was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In -, -, I filed a police report for identity theft with the - County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies -, - and - in a formal dispute of this account. - and - removed HSBC from my credit report after fulfilling their own dispute validation processes. - continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On - -, -, both HSBC and - were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, - - - response and the identity theft police report filed in -, -. - included the same copies, with a letter requesting a full investigation of the debt. Nine days after - opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of - -, -, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and - to properly validate the debt.