Consumer complaint received 2018-04-03
Company: BMW Financial Services NA, LLC
State: NV
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 have been a victim of identity theft and there was a refinancing auto loan taken out in my name in XX/XX/XXXX from ( XXXX XXXX XXXX ). My car which was originally financed through XXXX XXXX XXXX and was paid in full in XX/XX/XXXX and I was issued a clean auto title with no other lien holders present on that title. I also received documentation from XXXX XXXX ( XX/XX/XXXX ) stating that the car was paid for in full and that they would be issuing the title to me, XX/XX/XXXX I received the XXXX State title issued to me and no other lien holders present on the title. I transferred the XXXX title to the state of XXXX when I moved ( XX/XX/XXXX ). I also was able to able to add my wife on to the title of that XXXX. The XXXX DMV confirmed that there were no other existent lien holders and were able to issue the title in their state with the addition of my wife to the clean title. I also have proof of bill of sale ( XX/XX/XXXX ) to a local dealership in XXXX XXXX that purchased my car and also verified that there were no other existent lien holders on the title of my car thus, making me able to sell the car to the dealership for a lower dollar amount ( {$23000.00} ) than that of which XXXX XXXX ( {$32000.00} ) claims that I owe on that vehicle. 
I have been actively disputing this account with all 3 credit bureaus ( XXXX, XXXX, XXXX ) since I was aware of this fraudulent account had been on my credit reports. Prior to me filing a police report in the state of XXXX, I also was made aware that there was fraudulent activity on my credit card accounts ( XXXX, XXXX, XXXX XXXX ). All of the accounts were listed on a police report that was filed and issued to all three major credit bureaus. Supporting documents of the credit card accounts were also submitted stating that there were fraudulent charges and fraudulent payments made from accounts that were not my own to those few credit cards. The XXXX XXXX credit card was a joint account that my wife and I had together and she had reported it as fraud far later than I had to the 3 credit bureaus which have then simultaneously been removed the account from her credit report. I have repeatedly disputed with all 3 credit bureaus starting in the tail end of XX/XX/XXXX. XXXX, was able to confirm the fraud that occurred with all the supporting documents that I provided. They mailed me a letter on XX/XX/XXXX confirming the deletion of all the accounts listed on the police report labeled as fraud. 

XXXX is still currently reporting incorrectly that the XXXX XXXX Account as " Paid off and Closed '' with " 2 months delinquent status ''. I have disputed this account and requested for it to be deleted and deemed fraudulent. They have since removed the credit card accounts that were compromised which were listed on the police report that I submitted. 
XXXX is currently reporting the XXXX XXXX XXXX as an open account with 3 months delinquent status. They are reporting the XXXX credit card account as a closed and one month delinquent status. The citicard account is reporting as closed with a balance of {$5700.00} remaining. The XXXX XXXX credit card is being reported as closed with a balance of {$4600.00}. These XXXX credit card accounts were listed on the police report submitted along with the XXXX XXXX XXXX account stated. When I disputed through XXXX  requesting identity theft and fraudulent activity on my accounts, XXXX  disregarded my requests and requested verification of account status rather than disputing as a fraudulent account. I have continually contacted them numerous times on multiple occassions and I have faxed documents, I have uploaded documents to their websites, submitted numerous verbal and online disputes and it seems that they just aren't working on fixing my account as I repeatedly request.

Company response to consumer: Closed with explanation