Consumer complaint received 2020-07-29
Company: Mobiloans, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX - unauthorized credit inquiry on credit reports. 
XX/XX/XXXX -I called MobiLoans on or around XX/XX/XXXX XX/XX/XXXX Mobiloans sent email with burdensome items to complete such as getting documents notarized in order for them to start an investigation and remove the unauthorized credit inquires. 
XX/XX/XXXX On or around XX/XX/XXXX I sent letter remove unauthorized credit inquiry to Company via USPS mail. 
XX/XX/XXXX On or around XX/XX/XXXX I sent a second letter Removal of Unauthorized Credit Inquiry 2nd Attempt via USPS Service Type : Certified Mail - - First-Class Mail Return Receipt Electronic # [ ] o Enclosed in my letter to Company I included a company of credit report showing the inaccurate, unauthorized credit entry and other identifying information. 
XX/XX/XXXX - Company acknowledge receipt of my Letter ; Company responded via email on XX/XX/XXXX. ( Note : In letter I sent, I advised that I prefer communication regarding this issue sent via the mail not e-mail ). 
XX/XX/XXXX Mobiloans excerpt from their email ( XXXX ) : o To further address your concerns, on XX/XX/XXXX and XX/XX/XXXX you placed a call to Mobiloans regarding identity theft. On XX/XX/XXXX instructions on how to submit an identity theft claim was sent to XXXX. Currently, Mobiloans has not received the required documents to begin our investigation. Mobiloans is unable to accept your word alone. We are unable to validate an identity claim without adequate information and supporting documents. Again, if you feel that your personal information was fraudulently used to apply for a line of credit, in order for Mobiloans to begin an investigation, please submit to Mobiloans the items listed below.

Mobiloans Identity Theft Affidavit ( must be completed in its entirety and notarized ; incomplete affidavits will delay the investigation of this claim ). We have attached this form a second time for your convenience. 

Current Driver 's License or State Issued ID. 
Filed police report with contact person including a phone number for the police department. 
Current utility bill You may submit the above listed items to Mobiloans by fax : XXXX, by email : XXXX, or by mail to Mobiloans address listed below. 

We are unable to take any action without the above requested items from the consumer. Once the above requested items have been received, we will begin an investigation into your claim. Once our claim has been completed, you will be notified of our results. 

XX/XX/XXXX I filed police report regarding this possible identity theft in relations to this unauthorized credit inquiry, and the attempt of someone using my information to gain access credit using my information. 
XX/XX/XXXX I have sent off information requested from Mobiloan via e-mail, albeit NOT Notarized as this is a burdensome cost and presents a taxing task which I believe is not a requirement based on my understanding of the law in order for the Company to rectify this inaccurate reporting. 

Company ( Mobiloans ) has not removed inquiry as of today.

Company response to consumer: Untimely response