Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Identity Theft and Fraudulent Student Loan Application Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention a distressing case of identity theft and fraudulent activity that has significantly impacted my financial well-being and overall peace of mind. On XX/XX/XXXX, an individual unlawfully used my personal information to apply for a student loan from XXXXe in the amount of {$11000.00}. This unauthorized loan was taken out without my knowledge or consent, and I only became aware of its existence when reviewing my credit report in XX/XX/XXXX. 

Upon discovering this fraudulent loan, I promptly contacted XXXXMeritize seeking clarification and resolution. Despite my repeated attempts to communicate with them, I was informed that they could not provide any information or assistance until I obtained a police report. Consequently, on XX/XX/XXXX, I filed a report with the XXXX XXXX Police Department, detailing the identity theft and fraudulent loan application. 

Once I provided XXXX with a copy of the police report, they disclosed that the loan had been secured using false information, including an address at XXXX XXXX XXXX XXXX CA and a phone number XXXX, which do not match my personal details. Despite providing extensive documentation, including a completed Identity Theft Victim 's Complaint and Affidavit packet, signed by both myself and a witnessing police officer, as well as additional evidence such as my passport, social security card, driver 's license, lease agreements for both residencies currently and at the time the crime took place, and financial records, XXXX 's handling of the situation has been deeply concerning. 

Furthermore, XXXX 's errors have compounded the distress of this situation. They mistakenly sent the affidavit supplemental packet to the criminal 's address instead of mine, causing significant delays in resolving the issue. It was only after persistent follow-up that I was able to provide all necessary documentation to XXXX on XX/XX/XXXX via email, as directed by their representative, XXXX, who assured me of a resolution by the end of XXXX. 

However, when I followed up on XX/XX/XXXX, XXXX informed me that Meritize had closed the case and deemed it resolved, despite my name still being tarnished by this crime. This erroneous conclusion has had detrimental effects on my credit score and overall well-being, as I now face the looming threat of late payments for a loan that I did not authorize nor benefit from.

I urge the Consumer Financial Protection Bureau to intervene in this matter urgently and ensure that Meritize is held accountable for their negligence and mishandling of my case. Their California lending license number is XXXX. It is unacceptable that they provided a loan without proper verification, leading to the fraudulent use of my identity. 

Additionally, I implore the CFPB to investigate the pattern of fraudulent activity surrounding XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX. XXXX from XXXX revealed that multiple fraud cases have been linked to this institution, indicating a systemic issue that warrants further investigation. 

Please assist me in clearing my name and rectifying this injustice. If there is any further information required to prove my innocence, I am readily available to provide it. You may contact me through the appropriate channels, as I understand the sensitivity of sharing personal information online. 

Thank you for your urgent attention to this matter. I trust that the CFPB will take swift and decisive action to address this egregious breach of consumer protection. 

Sincerely