Consumer complaint received 2023-09-14
Company: Continental Finance Company, LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, complaint Id # XXXX, received information from Continental Financial , stating they submitted an update to the credit reporting agencies to remove the tradeline from my credit report, taking 30 to forty-five days. But my credit bureau reports are still reporting Celtic Bank/Continental Finance acct XXXX XXXX as a negative. The online application for a XXXX XXXX was on XX/XX/XXXX. XXXX XXXX is issued by Celtic Bank. The account was activated on XX/XX/XXXX is written off as a bad debt. And Continental Finance stated they have not once received any record of communication prior to my reporting this to CFPB. I have made continuous phone calls since XXXX and keep getting the run around and Continental Finance giving me the phone number to XXXX. I mailed out XXXX certified letters with all proper documents proving fraud and identity theft, and as of tomorrow I am sending out another certified letter with all information proving fraud/identity theft with police reports, prosecuting district attorneys paperwork for charges, text messages between myself and XXXX XXXX XXXX letters to the credit bureaus, address verification and i am sure that with the information Continental Finance sent with the reference # XXXX which was the processing information sheet for the application to the credit card that was issued fraudulently, they can check my IP address which is not the same as the one on that sheet. And I have no association with XXXX XXXX due to him and XXXX XXXX are the two people who have fraudulently used my personal information. And until I filed this report with you on XX/XX/XXXX is the first response that I have received from Continental Finance. I have also contacted Celtic Bank/Continental Finance and was told on XX/XX/XXXX they could not help that I had to contact Continental Fraud and the line stays busy, you can not get through. i just find it hard to understand that if I report fraud to one Continental Finance shouldn't it go thru their system to where it doesn't matter what location you contact by mail or phone it is put in their system? This stuff is hard enough to deal with but to constantly having to call and continually mail the same information out is unreal. So i do not know how Celtic Bank/ Continental Finance and Continental Finance is related but obviously it is, and you know its one think to be a company and investigate thats great but when I have to constantly have to repeatedly send the same information to dispute something on my credit report and 2 out of 3 credit bureaus have 2 different addresses, and you send all this information verifying who you are and you were never at the address that the identity theft and fraud occurred. It's ridiculous that its so easy for someone to steal your identity and create all these bills and debts but it is so difficult for a person to prove who they are. Seems a little backwards to me. I called Continental Finance XX/XX/XXXX spoke to an XXXX, for an update @ XXXX he told me to call XXXX they stated they couldn't tell us anything and that I should contact XXXX. Called XXXX  XX/XX/XXXX spoke to a XXXX, she stated that it takes about 24 hours for all documents to upload and up to one week for them to investigate. Says if information doesn't change in a week to call or put in another dispute on the information that I'm disputing.

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