Consumer complaint received 2017-05-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing you in the wake of the pain and suffering I am having to currently endure from a debt owed to account #  XXXX  that is owned by the entity Onemain, to whom is seeking collection of a debt of {$8400.00} this was placed on my credit report and consumer files and was confirmed via fax, phone, and mail that They are the responsible party for placing this on my credit bureau files that I do not have any knowledge of and did not authorize. I was not made aware of account #  XXXX  until my most recent attempt to make a purchase that required a credit pull in  XXXX  of   XXXX  , and " unfortunately '' the presence of this account that I have no knowledge of or contractual agreement with, derailed years of planning, and me waiting for the right time and the perfect opportunity to make a life changing move is temporarily being held up in the wake of a debt being owed to account #  XXXX  that is in my name and has been done without my authorization. I Was wanting to know how did I go from being protected by the FCRA, Federal Trade Commission, and Consumer Financial Protection bureau to this company attempting to destroymy life. What happened to me is something that the federal trade commission was founded on and that 's protection from a coercive monopoly. What happened to me was like a  Brotherhood ( Monopoly ) . When my mortgage lender told me to pay on a bill that I had no knowledge of, they knew it was going to awaken that debt. That 'll I is nothing more than a brotherhood ... We wo n't lend you money ( For this home ) until you go pay my brother over there to whom the books say you owe money. They knew it was going to knock me into underwriting which was an excuse to find out all of my busine ss ( information ), only to be told two  little simple oversight bc I looked  XXXX  good on paper besides this, paid a light b ill one time too late after the alllowed 2 yes three .... only  bc I made an arrangement 3 times. And my car note was late 2 times within a 24 month period and those 2 months were during the divorce where I had no place to stay and I fell behind. They tell me in the en d what really stopped me was my 2nd job has n't been completed for two years and I am supposed to reach those two  years  XXXX   XXXX  ... .. this was and still is a nightmare. They are hurting me as we speak and I am outraged because if my  credit score w ould have been good where it was a  XXXX  they would have not required to look at my information. They do n't underwrite rich people with perfect credit scores, so all that was was a trick to get my information. I am still in personal injury as we speak because  XXXX   XXXX  rent increases by  XXXX  because we did n't renew the lease because the home we put a bid on was taken away by the actions of this company that we were supposed to move in on  XXXX   XXXX  ironically the same date of my 2 year anniversary of my second job I 've been working only to make a move to purchase this home with. I had a 24 month plan that was derailed by this company and the monopolistic activities that led up to it. Please contact me bc I nore any American citizen who pays his or her taxes that help promote companies like the BBB the FCRA and the FTC should have to endure a halt of this nature inhibiting their right to social economic advancement. I 've lost money behind this, and I am currently in pain and suffering bc I w ork two jobs and I do n't have the time to look for a rental property and my daughter is in daycare and I am always on the move and I have right at two weeks before  even more money has to come out of my pocket. I had to sell the home inspection realease papers to the person who actually got the home that I was in line to move in on  XXXX   XXXX  what a life right. I needed the money but how should I feel about this you guys tell me. Nobody deserves this I do n't care what they 've done in life. We all try to rebuild from our past and my divorce was horrible and I bounced back and this company personally injured me. My investment of {$120000.00} investment was lost, and I lost {$3200.00} in cash money binders, paying down credit cards, and home inspection .... THIS ON SO MANY LEVELS IS NOT RIGHT HELP ME PLEASE!!!!!!!!!

Company response to consumer: Closed with explanation