Consumer complaint received 2020-04-24
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I first notified Tower Loan at the end of XXXX of an account that is reporting on my credit report that is not mines. This account was fraudulent obtained by a relative of mine who has a similar name as mine. This same relative also obtained another fraudulent loan in my name. However, that has been resolved with the other company with them deeming that I was indeed not the author of signature on the loan. When I reached out to Tower Loan at that time of me noticing it on my Credit Report, I was told that it would be taken care of and deleted from my Credit Reports. Upon me trying to obtain a house in XX/XX/XXXX, I discovered that this was still showing up on my Credit Report. 

On XX/XX/XXXX I then sent in a letter to all 3 Credit Bureaus ( XXXX, XXXX, XXXX ) disputing the accuracy of an account reporting on my credit report that was not mine. I was also disputing the several inaccurate addresses on my report that belongs to the relative who obtain the Credit. I also asked the Credit Bureaus to send me documentation that I signed for this loan as well as the name of the person who they contacted from the Original Lender. On XX/XX/XXXX I received dispute results back from all 3 Credit Bureaus stating that the account was verified as accurate along with the different addresses. I never received any other supporting documentation with it. According to the FCRA if the Credit Bureaus nor the Original Data Furnisher can provide me with supporting information within 30 days of the dispute, they must delete the inaccurate information from my credit report. 

How is it possible for all the Credit Bureaus to get accurate information from Tower Loan when I truly have proof that this information is inaccurate along with the addresses. That leads me to believe that the Credit Bureaus did not do a thorough investigation, nor did Tower Loan send them accurate information. I have a notarized letter stating that I indeed did not receive nor cash a check from Tower Loan. My other relative and I have the same first and last name. Same middle initial. However, it is a different Middle name although it is the same INITIAL. 
I also contacted Tower Loan back directly on XX/XX/XXXX and spoke with XXXX he stated that he would be looking into this and getting back with me. I never heard anything back from XXXX Therefore, I called back on XX/XX/XXXX and was told by XXXX XXXX SR Manager if I give them a notarized letter stating that I didnt receive nor cash a check that they would look into it and have it deleted from my credit report. I called Tower loan back on XX/XX/XXXX and was told that they could not delete anything from my credit report and that I would have to go to court. 

As I stated before, I have been dealing with this since XXXX. I have given Tower Loan and all 3 CREDIT BUREAUS ample amount of time to rectify this issue to be removed off my credit report. This is clearly a true case of Identity theft. I also have another letter from the previous loan that was fraudulently gotten in my name and the person admitting to him doing it. If this is not resolved this time you all leave me know choice, but to retain a FCRA Attorney and file several lawsuits. If won I can be awarded up to {$1000.00} per violation and you all have violated several of my rights. 

Please have this inaccurate information along with the addresses DELETED immediately from all 3 of my CREDIT REPORTS. This inaccurate information reporting is apprehending me from securing a Home Loan for me and my family. I await an updated Credit Report along with a letter informing me that you all have notified all 3 Credit Bureaus to remove the inaccurate information from my credit report. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation