Consumer complaint received 2021-07-16
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I originally submitted a complaint with this firm and got a response from you on XX/XX/2021 as stated in the response this company forwarded to you for me to address. Original case number was XXXX. 

In this letter Mr XXXX XXXX stated I showed proof of identity when I got the loan but WOULD NOT FORWARD the documents I requested to the address I supplied because of " privacy concerns '' as the address is different from the address they have on file. 

That's the whole point! It's a different address because I'm never applied! 
I will ask you, the CFPB, once again to have TOWER LOAN supply me with Correct and verifiable signed contract, Identification card/ID/Driver 's license, and a legal social security card to verify this debt AND to send it to the address I provided. If they do not provide this information I will have to assume that they DO NOT have this documentation and that they will delete this account from my credit files at 3 major CRAs! XXXX, XXXX, and XXXX! 

Mr XXXX states all I have to do is go to their office to take care of this matter. There are 2 problems with that request : 1 ) Why should I go out of my way to go to their offices when I am requesting this information through the mail which legally verifies receipt of this information as I ask them to send this information via certified mail. 
2 ) If I would go in they would just update any information and claim I am the right person on this debt! Does XXXX think I am a complete XXXX!? Sounds like it! 

AND, since he is going to play this game with me, then I need a couple more items or his company and his reputation will be suspect as I will sue both person and company in a court of law! 
Here are my additional requests : A ) If a financial institution that extends credit and regularly reports information to a credit reporting agency, ( CRA ), you must notify a consumer that you are reporting such negative information. This would include late payments, delinquencies or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I never got any letter, notice etc. on any instance when they reported this negative information initially. I NEED this information or they have violated the federal law and my reputation! 

B ) I wrote to the credit bureaus on this matter earlier in this process. They in turn wrote to TOWER LOAN to verify these inaccuracies as stated by me. If Tower Loan can not verify the information I am asking for then they are to DELETE such information or risk violating FCRA 623 ( b ) ( 1 ). 

C ) According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the creditor has 30 days to respond to any complaint regarding a dispute and another 15 days if additional information is supplied by the CRA to the consumer. You did not do that at all! I have certified, return receipts from the credit bureaus concerning this matter! They got my dispute and sent it to you. No response. 

D ) Once Tower Loan knows my information is being disputed, they have to notify the CRA 's that it is being disputed until they update or delete the information. 

FCRA ( a ) ( XXXX ) - Disputed information. 

I tried to get credit and was denied because of this as Tower Loan did not update this information in a timely manner. I have the denial letter which falls into the time period that they did not comply in a timely manner! 

If I do not get these documents, then I will sue Tower Loan etc.

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