Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Credit Review Department Re : Request to Reverse Denial of Lease/Finance Application Identity Theft Dispute To Whom It May Concern : I am writing regarding your recent decision to decline my application for a Porsche lease/financing arrangement. I was informed that the denial was based on an allegation that I provided false or altered pay documentation during a XXXX application. I wholeheartedly dispute this findingthose documents were not mine, and I have since learned that I was the victim of identity theft during that period. 

For context, I am currently pursuing a federal civil case, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in which I allege that unauthorized actors used my personal information to open fraudulent accounts and falsify my income details. That lawsuit arose precisely because fraudulent documents bearing my name and Social Security number were used without my knowledge or consent. As a direct result, I had no opportunity in XXXX to supply legitimate pay stubs or W-2sthose altered pay documents were created by identity thieves. 

I respectfully request that Porsche Financial Services : 1.Immediately remove any notation in your credit or underwriting files indicating that I supplied false or altered pay documentation.

2.Reevaluate my credit application based solely on accurate, verifiable income records that I am prepared to supply ( e.g., my official XXXX XXXX, recent pay statements from my employer, and bank statements ). 
3.Provide written confirmation, within 30 days, that ( a ) the adverse finding has been expunged from your records and ( b ) you will allow me to reapply for financing or leasing under truthful, up-to-date documentation. 

To assist your review, I have enclosed the following : A copy of the complaint filed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demonstrating that identity theft is the subject of active litigation. 
A certified copy of my XXXX XXXX from [ XXXX XXXX ]. 
My XXXX most recent pay stubs, dated XX/XX/XXXX and XX/XX/XXXX. 
A current bank statement showing regular deposits from my employer. 

If there is any additional proof or verification you requiresuch as a police report, FTC Identity Theft Affidavit, or a notarized statement from my employerplease let me know immediately. I am eager to clear this misunderstanding so that I may pursue financing in good faith for a new Porsche. 

Identity theft is a serious crime. It destroyed my credit standing in XXXX through no fault of my own. Because of that theft, I was never afforded an opportunity to provide accurate pay documentation. By removing the incorrect notation, you will allow me to demonstrate my true creditworthiness. 

Please confirm in writing by XX/XX/XXXX that ( 1 ) no further adverse information remains on file, and ( 2 ) that I am eligible to reapply once I submit my correct, verifiable income records. Should you have any questions, you may reach me at email XXXX Thank you for your prompt attention to this matter. I look forward to working with you to resolve this error and to the opportunity to finance or lease a Porsche in the near future. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation