Consumer complaint received 2019-02-13
Company: Auto Trakk, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been fighting with XXXX and Autotrakk LLC for a year now. I have disputed thi

s SEVERAL times to no avail. I have filed and Identity theft report, a police report, and contact the IL State Attorney General 's Office. This car loan is NOT MINE. I h
ave provided the company with proof of where I lived at the time which is not where they state I lived. I explained to them I had my wallet and information stolen at this point in time when the loan was said to have been signed. I have let them know all the other credit fraud and issues that had happened in result and that those were taken seriously and proven to be false and deleted from my credit reports.

I have filed a police report that was ACCEPTED by the police department. I have filed an Identity theft report that has played a part in fixing all of the other issues on my credit that are a result of my identity theft. This loan with Autotrakk is the last and only thing still lingering on my credit with XXXX. This has destroyed my life in every aspect. I can't rent an apartment, I can't buy a house, I can't even get a credit card to try and rebuild what was hurt on my credit. This is crazy how much something like this puts you through and ruins your life and when you try and fix it, NOBODY takes you serious. All I have gotten is letters and responses from both XXXX  and Autotrakk saying the information they have is correct. That is it. I keep sending disputes and they keep getting shot down. They said the car was " voluntarily surrendered '' and they even admitted they never met with anyone to get the car back, they just picked it up. They never met or saw anyone they just took the car. This again is why this is frustrating because I never gave the said car back because I NEVER HAD IT to begin with. Maybe that should have been a red flag? Even the bank account that the person over the phone said was used to pay the car for the small amount it was paid, that account was an account that got deleted off of my credit due to identity theft. But yet I am still told by this company and XXXX  that the information is correct and it is my account.

I am so dumbfounded by how it is so easy for these creditors and reporting agencies to ruin your life with your credit score but they DO NOTHING and give NO SUPPORT to help you fix it. I can't afford a lawyer to fight this because I have spent tons of money trying to fix it already and now I have this one last account and I keep getting stonewalled. 

I have never had a car lease in my name, ever, without a co-signer. This car was never mine and I have done everything that has been asked or told to fight this and nothing is changing and nobody is listening to me. I have provided police reports, signed affidavits from people that support my claims, Identity theft reports, and written testimonies to my accounts of this. 

The company has also been emailing me ( only because they now have my email since I have been fighting them ) asking for me to pay off my loan and make a settlement deal with them if I get a tax refund. This is after I have sent them papers SEVERAL times telling them to stop contacting me for this debt. I have sent them official documents from XXXX telling them to stop any further contact in order to collect this debt and they still proceed to harass me for it. 

I need someone to take this seriously and help me get this taken care of. Any support.

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