Consumer complaint received 2021-10-14
Company: GreenSky, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed an account on my report by the name of XXXX/GREENSKY back in XXXX of XXXX. I saw it was a fraudulent account and I sent in my identity theft affidavit to all 3 credit bureaus and letter explaining what was happening and the account was removed on XX/XX/XXXX. On XX/XX/XXXX, I saw the same account reported back on my credit report as updated and showing negative. I immediately reached out to the company and one of the representatives was suppose to reach back out to me and send me some forms by mail to fill out and send back. I never received anything from them. As time went on and many disputes later the account still remained on my credit report. I have sent this company so many dispute letters showing this was fraud and asking for proof of this debt and I never received anything. As soon as this company receives the dispute they update the account within the same day or a day or two later. They never send over any proof or anything. On XX/XX/XXXX I had a XXXX XXXX  reach out to me stating they received the dispute letter but needed me to sign a authorization from my healthcare provider to share information with them. As the disclosure of medical information by my provider is protected by federal law I would need to sign the form as soon as possible. I informed her that I wouldn't sign anything due to the fact that they haven't provided me any information about the account and this is a fraudulent account. I communicated with XXXX XXXX  back and forth to email asking her to send over any information she had pertaining to this account because it was a fraudulent. It was basically back and forth and the company stalling me about sending this information over to me. On XX/XX/XXXX I heard back from XXXX XXXX  sending me over a one page letter showing a transaction form and a signature that was not mine and asking for the affidavit and police report. I sent that over to her via postal service and never heard anything back from them. I disputed the account again only to have them validate it the same day as a valid account. So I emailed them again only for them to tell me they investigated my concerns and determined the loan was valid, and this came from a XXXX XXXX. So emailed her back asking exactly how did they verify and what did they verify, and never head anything back. Upon doing some research I reached out to the owner of GreenSky financial via email, XXXX XXXX, and informed him what was going on. On XX/XX/XXXX I received an email from a XXXX XXXX, in the email it contained the documents I had been asking for. Upon checking the documents, I see the Drivers license used to obtain this loan is actually not my drivers license. I informed XXXX XXXX of this via email that this is not my Drivers license. I was told to send over a copy of my police report and a copy of my ID. I sent my ID over via fax and I sent another copy of my ID and a copy of the police report via USPS certified mail, tracking number XXXX. I followed up with XXXX XXXX to see if they received my information, she informed me they did receive the ID via fax and she was forwarding it over to the right department. Well a couple of weeks went by and I hadn't had a update. So I reached back out to XXXX XXXX via email to see if there was an update, she informed me that they weren't able to see my ID clearly and I needed to send a better copy. By now I'm livid because this has been going on too long and Greensky is really non compliant with this account. They don't care that this is a fraudulent account and I have sent over all necessary paper work and they still are giving me the run around and it's a issue with everything I send over. I want this account removed from my credit report.

Company response to consumer: Closed with explanation