Consumer complaint received 2023-10-18
Company: P&B Capital Group, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify. 
This was done through a company called XXXX XXXX, and the amount was for {$2400.00}. 

I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather. 

I reached out to XXXX XXXX via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective. 

I called XXXX XXXX and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted. 

In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to P and B Capital Group and asked it to be removed and explained the above. They requested an email with the police report and a description of the details. 
I obliged. No further action was taken by this collector. 

On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector. 

On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied. 

I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit. 

On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute. 

I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors. 

I would simply like for this to be removed from my credit history. 
Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation