Consumer complaint received 2021-11-17
Company: Kwikcash, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I got a notification on my credit report of a loan fraudulently taken out under my name and information that I did not take out. Also saw that they ran my credit as an Inquiry on XX/XX/XXXX, again they also ran my credit on XX/XX/XXXX, and again on XX/XX/XXXX without my consent. I had not checked my credit or opened an XXXX until XX/XX/XXXX. I was unaware of this activity because I hardly request credit. During this time I was under XXXX XXXX with very limited income as I did not have a reason or need to request credit. The Original Creditor KWICKCASH Inc. ran my credit fraudulently at XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX gave out a loan to someone under my information of over {$2000.00} and failed to do their due diligence to ensure it was in fact ME requesting this loan. I contacted by phone & attempted & explained this is not my debt, not my loan and that I NEVER have taken out this loan. I requested for them to supply as to where I supposedly signed for this loan, and to provide what Identification they used to give this loan to someone else? They refused to provide that or acknowledge that their staff did not do their job to verify Identification prior to taking out a loan. All they instead said was to pay a collection of Identity theft that is not mine, and to go to my nearest police dept. Yet they failed their burden of proof to provide the documentation that was used by their employees to give out this loan to someone using my information. This has resulted in my credit scores to drop and affect my credit profile significantly. I have numerously tried to dispute this Identity Theft on the credit bureaus, but they keep reporting this non sense. KWICKCASH INC. finally sold this collection off to XXXX XXXX XXXX, XXXX opened XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. Fraudulent Loan is at {$2400.00} at this time. It's taking me some time to get advise or get advise on how to get this resolved as I can't afford an attorney nor ever have gone through an Identity theft issue as this is the first time I have ever dealt with this before and felt lost after so many attempts to dispute with KwickCash Inc. and XXXX XXXX XXXXXXXX XXXX My goal is to have this resolved by deleting this fraudulent debt off my Credit Profile and all 3 Bureaus and for them to be adjusted and properly removed. I suspect that either the employees at KWICKCASH INC did not do their job ethically and responsibly or their own employees intentionally assisted in taking this loan out for someone they either knew or to help a criminal take it out to just make their commission, similarly to what XXXX XXXX and XXXX did back in XXXX of opening fraudulent accounts, except now the small financial companies like KWICKCASH Inc. are doing it. Please help. A Fraud Alert has been placed with XXXX and am doing my best to further resolve this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation