Consumer complaint received 2024-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (FL)

The company, American First Finance has been reporting an account in my name to the credit bureau XXXX XXXX. I have contacted American First Finance to let them know that I have no knowledge of this account and that I'd been a victim of identity theft. American First Finance has responded first by saying that the debt was no longer valid because they were not licensed to collect in the XXXX of FL, which is where I live. ( I have attached this letter to this complaint. ) Subsequently, this account was removed from my credit report in XX/XX/year>, after I disputed it with the credit bureaus & sent them the letter from American First Finance. Since then this account has repeatedly appeared back on my report, despite me providing numerous FTC, Police Reports and detailed letters explaining to this company that I am aware of my consumer rights and that they were knowingly violating and breaking several laws. I have requested a wet signature, original contract bearing both mine and the companies signature. I am well aware that a organization can not provide a signature, therefore this account is already null and void. Further more the company has not provided any of the above documents and proceeds to report this fraudulent account without any regard to my many attempts to remedy the situation. I have done a UCC-11 Search and have found that there is no debt in my name. Another reason why this account is fraudulent! This company has been on notice of all of the above, but continues to report this account on my report causing me emotional and financial distress. 
American First Finance has violated my rights many times over and I will now seek monetary compensation for my efforts being ignored and my life being severely impacted negatively as a direct result of this account being reported illegally. Below I have listed all of the US code violations committed by this company and XXXX on my behalf. 
- 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

- 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have not given any written permission to this company to report any information on my behalf.

- Violation of UCC article 9. 
- Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 : This act governs the accuracy, fairness, and privacy of information in consumer reporting agency files. Key sections include : 15 U.S. Code 1681c-2 : Block of information resulting from identity theft.

15 U.S. Code 1681i : Procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

- 18 U.S. Code 1028 : This law criminalizes identity theft and provides mechanisms for victims to report and remedy fraudulent activity.

-15 U.S. Code 6801-6809 : This act includes provisions to protect the privacy of personal financial information.

- 15 U.S. Code 1693 : Provides protections for consumers in electronic fund transfers, including unauthorized transfers due to fraud.

- 15 U.S. Code 1601 : This act requires clear disclosure of credit terms and provides protections against fraudulent billing practices.

- 12 U.S. Code 3401-3422 : Governs the access of federal government to the financial records of individuals.