Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: EGL US, LLC
State: PA

Complaint narrative:
This correspondence serves as a formal legal demand and identity theft dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

I am demanding that BMG Money immediately delete, close, and cease all reporting, collection, or payroll deduction activity related to any accounts not verifiably associated with my Social Security Number or lacking an active, legitimate loan agreement bearing my authentic signature.

I am a verified victim of identity theft, and I have supporting documentation from the Federal Trade Commission ( FTC ) and law enforcement confirming my identity and theft report. I can provide these materials, along with my government-issued identification and proof of address, upon request.

Furthermore, I have been a loyal BMG Money customer with an excellent payment history. I have never missed or been late on any legitimate payments for valid accounts under my SSN. Any alleged accounts opened without my consent are fraudulent, inaccurate, and damaging to my credit reputation. I never not been able to refinance my loan I dont understand whats going on Legal Basis for Immediate Deletion 1. FCRA 611 ( 15 U.S.C. 1681i ) Requires you to conduct a reasonable reinvestigation of any disputed account and delete any information that can not be verified as accurate.

2. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) Prohibits any furnisher from reporting information that is known or should be known to be inaccurate or unverifiable.

3. FCRA 605B ( 15 U.S.C. 1681c-2 ) Mandates that furnishers block all information resulting from identity theft within four business days of receiving a valid identity-theft report.

4. FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits any false or misleading representation of debt, including attempting to collect a debt that is not owed or not legally enforceable.

5. FCRA 616617 ( 15 U.S.C. 1681n1681o ) Establishes civil liability for willful or negligent non-compliance, including actual, statutory, and punitive damages, plus attorneys fees.

Required Corrective Actions 1. Delete or permanently close all accounts not verifiably tied to my SSN or lacking an active, valid loan.

2. Provide written confirmation within 10 business days identifying all accounts currently under my name, their statuses, and the identity-verification method used to open them.

3. Cease reporting any disputed, unverifiable, or fraudulent accounts to XXXX XXXX XXXX XXXX

4. Cease all collection, payroll, or ACH activity connected to any fraudulent or unverified account.

5. Escalate this matter to your Fraud and Compliance Department and confirm in writing that a full investigation has begun.

Notice of Enforcement : Failure to comply with the statutory requirements above will result in an immediate complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for investigation into BMG Moneys non-compliance with federal consumer-protection laws.

Please treat this as a formal dispute and legal notice under FCRA and FDCPA provisions. I request written confirmation of receipt and your full response within 10 business days

Company response to consumer: Closed with explanation