Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against XXXX XXXX for issuing a fraudulent loan in my name, failing to verify my identity, withholding critical account records, and engaging in misleading and abusive practices. Below is a detailed account of what happened : **Summary of the Issue : ** On XX/XX/XXXX, XXXX XXXX issued a loan in my name without my knowledge or consent. My business partner applied for and obtained the loan using my name. I did not discover this loan until XX/XX/XXXX, when it appeared on my credit report and negatively impacted my credit score. XXXX XXXX failed to take adequate steps to verify my identity before approving the loan, such as requesting a photo ID, live photo verification, or cross-checking business ownership records. This lack of due diligence allowed the fraudulent loan to be issued.

Despite verifying my identity through my Social Security Number and date of birth, XXXX XXXX  refused to provide me with any account records when I initially inquired on XX/XX/XXXX ( via email ). On XX/XX/XXXX, I called and requested the account email be changed from the original email address on the account ( my business partners ) to my own, as the email on file was no longer active. After this change, they provided only the loan agreementno additional details or breakdown of the loans status were shared. Furthermore, the IP address linked to the loan application ( found in the signature line of the loan agreement ) does not match my own, which should have raised immediate red flags regarding the legitimacy of the application. This evidence strongly suggests that the loan was applied for fraudulently ( unauthorized ) by my business partner, not by me.

**Misleading Communication and Lack of Transparency : ** On XX/XX/XXXX, I contacted XXXX XXXX to inquire about the loan. It was only at this point that I discovered XXXX XXXX had transferred the loan to XXXX XXXX XXXX, which they claimed was now handling the loan. However, the lawyer at XXXX XXXX XXXX refused to provide me with any support, stating, I dont think I can give you support because XXXX XXXX  is who we are representing. This lack of transparency left me in an unclear and difficult situation with no access to critical loan details. 

To make matters worse, XXXX XXXX XXXX demanded payment from me for the fraudulent loan, despite my repeated explanations that I did not authorize or consent to the loan. This demand for payment, coupled with their refusal to provide documentation or support ( I contacted them on XXXX due to their email not working on their website. They do not have an official email address listed ), has placed undue pressure on me and further compounded the distress caused by this situation. I contacted them before asking for things to be written and sent to my email, but there was no response to that. XXXX XXXX XXXX ; **Failure to Notify or Contact Me Properly : ** I reached out to XXXX XXXX on XX/XX/XXXX, asking them to contact XXXX XXXX XXXX on my behalf ( since no calls were being answered ). I had made three separate phone calls to XXXX XXXX XXXX prior to initial contact. They did not respond until XXXX told them to contact me. On XX/XX/XXXX, XXXX XXXX XXXX contacted me back. I was hit with the lawsuit, and XXXX XXXX did not inform me in advance. The lawyer also told me to pay off the loan and sue my business partner to get my money back. The failure to properly notify me about the lawsuit further demonstrates a lack of professionalism and transparency in handling this matter.

**Failure to Provide Requested Documentation : ** XXXX XXXX also insisted that I file a police report to gain access to email communications and documentation related to the loan. This requirement was an unnecessary barrier, especially given the clear evidence of their failure to verify my identity before issuing the loan. Why werent they able to give me the email communication in their system? They claim I was the one on the account and should have handed over important information to help with who filled this out. Their failure to provide me with more information shows that they were willing to keep this information to their advantage.

**Unprofessional and Discriminatory Behavior : ** During my communication with the lawyer at XXXX XXXX XXXX on XX/XX/XXXX, the attorney made an inappropriate remark about my voice, stating that it sounded young. This comment was unprofessional, discriminatory, and unrelated to the legal matter at hand. Such behavior is unacceptable and further exacerbated the emotional toll of this situation.

**Misreporting of Business Address on Personal Credit Report : ** Upon reviewing my credit report, I discovered that my business address and was reported on my personal credit file. This is highly inappropriate as personal credit reports should only reflect personal financial information, not business-related details. My business address has no legitimate connection to my personal credit history or liabilities, and it should not have been included in my credit report. Additionally, I noticed that my business partners phone number was reported on my credit report. This further raises concerns about the mishandling of my personal information and the improper use of my credit file and that I did not apply for the loan. The inclusion of these business details in my personal credit report has caused confusion and may have contributed to the negative impact on my credit score, which has been severely affected by the fraudulent ( unauthorized ) loan that was taken without my consent in question.

**Legal Violations : ** I believe XXXX  XXXX has violated several federal regulations, including : - **Fair Credit Reporting Act ( FCRA ) : ** By failing to ensure the accuracy of the information reported to credit bureaus and issuing a loan in my name without proper verification.

- **Consumer Financial Protection Act ( CFPA ) : ** By engaging in deceptive and abusive practices, including withholding loan details, misleading communication, and demanding payment for a fraudulent loan.

- **Know Your Customer ( KYC ) Regulations : ** By neglecting to verify my identity before approving the loan, which is a clear violation of their obligations as a financial institution.

**Conclusion : ** This situation has caused significant harm to my financial and emotional well-being. XXXX XXXX  failure to verify my identity, lack of transparency, and refusal to provide critical documentationcombined with XXXX XXXXXXXX XXXX demands for payment and unprofessional behaviordemonstrate severe misconduct. XXXX XXXX should have informed my business via mail that a lawsuit would be coming if we failed to make paymentsthis has left me with limited options for resolving this issue. 

**Additional Evidence of Fraud & Documentation Errors : ** I am providing further documentation that highlights critical errors and inconsistencies in XXXX XXXX records, which strongly suggest that someone else ( my business partner ) filled out this loan application without my knowledge : - **Failure to Properly Verify My Identity & Address Mix-Up/Phone Number : ** - The loan application portal contains a critical error where my personal address and business address were swapped, which likely caused my business address to appear on my personal credit report. This error reinforces that I was not the applicant. 
- **Withholding Critical Records & Refusal to Cooperate : ** - The IP address used to sign the loan agreement does not match my actual IP address. 
- XXXX XXXX transferred the loan to XXXX XXXX XXXX without informing me, and I only learned about it after being contacted regarding a lawsuit. 

**Summary of Submitted Attachments : ** - Screenshots of my XXXX XXXX account information. 
- TransUnion Credit Report highlighting the incorrect address mix-up. 
- XXXX XXXX Loan Agreement showing discrepancies. 
- XXXX XXXX XXXX XXXX Document verifying my business ownership.

I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to hold XXXX XXXX accountable for their actions. Thank you for your attention to this matter. Please let me know if additional information is needed to proceed with this complaint.