Product: Credit reporting or other personal consumer reports

Summary of Complaint : I am disputing the legitimacy of an account allegedly opened in my name on XX/XX/XXXX, which I did not authorize. Additionally, I am seeking clarification and resolution regarding an account I did open on XX/XX/XXXX, as Possible Finances response appears to conflate both accounts, leading to confusion and potential misreporting. 

Issues with the XX/XX/XXXX, Account ( Unauthorized Loan ) Possible Finance claims an account was opened on XX/XX/XXXX, using my identity. 
I did not open or authorize any loan at that time. 
According to XXXX, Possible Finance reported an address for me as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
However, during that time, I lived at XXXX XXXX XXXX, XXXX, MA XXXX, and was out of the country in XXXX for XXXX XXXX 
I have attached a letter from a non-profit organization confirming my presence in XXXX during this period. 
Additionally, online record can verify my correct address at XXXX XXXX XXXX XXXX MA XXXX. 

Regulatory Violation : Possible Finance Was Not Licensed to Lend in Massachusetts in XXXX The Division of Banks ( DOB ) in Massachusetts has confirmed that Possible Finance did not have a Small Business Loan license in XXXX. 
Since Possible Finance was not licensed to issue loans in Massachusetts at that time, they could not have legally issued me a loan. 
If they claim this loan was taken in California, I request that they provide documented proof showing it was done in person and not fraudulently. 
Otherwise, this loan was procured for someone else and wrongly assigned to my identity. 

Confusion Between the Two Accounts I did open a legitimate account with Possible Finance on XX/XX/XXXX. 
I contacted Possible Finance on XX/XX/XXXX, to address account access issues and payments, but it appears their records mix details from both accounts. 
I do not recall paying off two separate loans, but Possible Finance claims I paid off a fraudulent XXXX loan when managing my XXXX loan. 
This confusion led to incorrect credit reporting and possible misattribution of payments. 

Concerns Regarding Possible Finances Identity Verification Process Possible Finance states they verified my identity using : Name, SSN, DOB, State ID, and a live selfie. 
However, the email, phone number, and address linked to the XXXX account do not match my real information. 
If Possible Finance had properly verified my identity, this should have been flagged as fraud. 
A hacker or fraudster could have used stolen credentials, a VPN, and a fake ID to open the fraudulent account. 

Possible Finances Response & Why It Is Insufficient Possible Finance denies responsibility for the fraudulent XXXX account, despite the clear discrepancies in personal information. 
They state that the FTC identity theft report I provided did not specifically name them as a fraudulent lender. 
This was an oversight, and I have now attached an FTC report naming Possible Finance along with an Identity Theft Victims Affidavit for further verification. 
The police confirmed that this affidavit does not need to be signed at a police station and that the FTC report is sufficient evidence of identity theft. 
They claim my first contact with support was in XX/XX/XXXX, not XX/XX/XXXX, but this contradicts my own records. 
They refuse to remove the fraudulent account from my credit report unless I provide a police report, which I am now willing to submit the FTC Report and Affidavit document.