Product: Payday loan, title loan, or personal loan

I am the victim of ID Theft. I have submitted a police report and formally disputed this account with the lender, who has provided no appropriate response. After submitting ALL of the required paperwork to prove that I never signed, accepted, nor cashed the loan in question, I have been met with incompetence, egregious misconduct, and outright neglect in handling this disputed loan. 

The loan in question was a pre-approved check, commonly referred to as a live check, and although it was addressed to me, the check was mailed to an old address no less than 10 months after I had moved and vacated the residence. 

I was subsequently notified of a new credit line opened on my credit profile on Friday, XX/XX/XXXX. I immediately disputed the loan with the original creditor, Regional Finance Corporation of Texas ( Regional Finance ), who has failed to report this as a disputed debt to the credit bureaus. This is in direct violation of the FCRA and goes against the reporting requirements enforced and maintained by the CDIA Metro2 Guide. I  have continued to dispute this debt with the creditor and they have failed to provide a sufficient response to my claim or even follow up with me as they continue to review the inquiry. As of XX/XX/XXXX, they have started reporting this as a DELINQUENT loan, with no indication of dispute. 
Furthermore, this loan was signed and cashed ILLEGALLY and without my express knowledge or permission. I was provided a copy of the cashed check upon speaking with the creditor. The person who signed this check filled out the Drivers License Number, Phone Number, Work Phone Number, and E-mail Address using information that does not and has never belonged to me. Whats more : none of this matches my handwriting or signature and the front of the check bears a fingerprint from when the illegitimate party cashed this check. This fingerprint IS NOT MINE. 

I am appalled at the complete failure of the financial industry that created an environment for all of these events to transpire. 
Regional Finance and their affiliated lender, XXXX XXXX, XXXX, are responsible for damaging my credit and directly encouraging fraudulent activity against me. They have failed to implement appropriate practices that would prevent unsolicited mail going to an unvalidated address. More to the point, there is no proof or indication that Regional Finance has STOPPED sending mail to previous addresses. Therefore I continue to be at risk for fraudulent and unsolicited loans cashed and taken out in my name. 

It is inconceivable that Regional Finance and XXXX XXXX are riddled with such careless practices that intentionally place consumers at risk. This event has now made us more susceptible to future ID Theft activity against our credit. 

I demand compensation for damages and will continue to dispute this claim and file formal complaints about this instance of ID Theft. I also have proof that they are continuing this practice against other consumers as similar checks have been sent to our CURRENT residence, addressed to PREVIOUS OWNERS. Please note that I intend to file separate, formal complaints regarding each instance of these improper loans on behalf of the consumers to which they are addressed. 

I have disputed consistently since first reporting the fraud claim on XX/XX/XXXX. I am now forced to submit formal complaints through the regulatory agencies. Further incompetence and failure to respond appropriately may be met with legal action.