Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREENSKY OPERATIONS, LLC
State: KS

Complaint narrative:
I told GreenSky this was not my debt. they said they would investigate. Their " investigation '' amounted to them sending me a copy of the original loan documents. These documents were apparently done electronically and DO NOT have my signature anywhere on them. This is not proof. Furthermore they say they will not investigate further without a police report and I was told by local police that they will not file a report as it is outside of statue of limitations. Please see email thread with GreenSKY : From : XXXX Date : XX/XX/XXXX at XXXX XXXX To : Customer Solutions XXXX Subject : Re : GreenSky Account - XXXX XXXX T XXXX [ ref :! XXXX.! XXXX : ref ] So there were no steps taken to actually verify that I submitted that request and those documents? Again the police will NOT make a report because it is beyond the statue of limitations for my area. 
Sent from my XXXX On XX/XX/XXXX, at XXXX, Customer Solutions XXXX wrote : Hello XXXX XXXX XXXX The steps taken were to provide you with the documents that were mailed to you as a part of the debt validation. A police report will be needed to move forward. 

Kind Regards, XXXX XXXX XXXX XXXX ext. XXXX Monday - Friday XXXX - XXXXXXXX XXXX  -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/XXXX XXXXXXXX XXXX  To : XXXX Subject : Re : GreenSky Account - XXXX, XXXX XXXX [ ref :! XXXX.! XXXX : ref ] I would like to see the steps you took to investigate the validity of this claim, as is my right. The police department will not file a police report here. I went and tried they said two year statute of limitations here in Kansas. 
Sent from my XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, Customer Solutions XXXX wrote :? 
Hello XXXX XXXX, GreenSky has provided all the documents to you via mail regarding your debt validation. If you advise that you did not authorize this account you are able to file a police report advising that this account was opened in your name without your knowledge. There is no time frame for identity theft. 
Once this report is received GreenSky will be able to continue with assisting you to resolve this matter. 

Kind Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Monday - Friday XXXX - XXXXXXXX XXXX  -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : Re : GreenSky Account - XXXX, XXXX XXXX [ ref :! XXXX.! XXXX : ref ] He hasnt filed anything yet. Awaiting to see what evidence of investigation you wil actually have and if it is something useful. 
Also, reported to local police and they will Not file a report as the statute of limitations has been exceeded. I want the details of your investigation, how it was conducted etc as is my right by law. No attorney needed for that. 
Sent from my XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote :? 
Hello XXXX XXXX, Please provide XXXX a letter of representation from your attorney and GreenSky will be more than happy to reach our to your attorney. 


Kind Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXonday - Friday XXXX - XXXXXXXX XXXX  -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/XXXX XXXXXXXX XXXX  To : XXXX Subject : Re : GreenSky Account - XXXX, XXXX XXXX [ ref :! XXXX.! XXXX : ref ] Per my attorney, as he said this needs to be on file for the lawsuit. 

XXXX XXXX XXXX Dear GreenSky- I am writing to formally dispute the alleged debt associated with the above-referenced account. I recently received notification that the account was charged off following your validation process. However, I have reason to believe that this account is fraudulent and was opened without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request a detailed explanation of how your investigation was conducted. Specifically, I request the following information : XXXX. A detailed description of the investigation process you undertook to validate the debt. 
XXXX. Copies of any documentation, including signed agreements or applications, that were used to verify the debt. 
XXXX. The name and contact information of any third parties you consulted during your investigation. 
XXXX. Evidence supporting your conclusion that the debt is valid and that I am responsible for it. 

If you are unable to provide this information, I request that you immediately remove the charge-off from my credit report and cease any further collection efforts. Additionally, I reserve the right to pursue further action, specifically civil litigation, if this matter is not resolved promptly. 

Please respond to this request within 30 days from the initial date of dispute. You XXXX reach me at the contact information provided above. 

Sincerely, XXXX XXXX Sent from my XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX wrote :? 
I have received nothing from this merchant and I spoke to my ex wife and she has never heard of them Sent from my XXXX On XX/XX/XXXX, at XXXX? PM, XXXX XXXX XXXX wrote :? 

Hello XXXX XXXX, If you are advising that you did not authorize this GreenSky loan to be placed in your name a police report would be needed from you in order to move forward with the complaint. 

Kind Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : Re : GreenSky Account - XXXX, XXXX XXXX [ ref :! XXXX.! XXXX : ref ] Also, nowhere o. The paperwork that you sent me is there any signature from me. There is nothing to verify that I made this agreement. I am beyond frustrated at the way this is being handled and the fact that yall are holding my livelihood XXXX with a bogus loan Sent from my XXXX XXXX XX/XX/XXXX, at XXXX? PM, XXXX wrote :? 
That paperwork. Validated nothing other than someone used my information to open an account. What other methods do yall use to investigate this? What were your findings? My brother in law, who is an attorney, has suggested that if this prevents me from getting my business startup loan because there was no effective investigation that I file suit against green sky. All I want if for you to prove to me this is mine because I KNOW you cant. It is not mine. So explain to me how this was investigated. Where do the loan originate from? Who did it originate from? You guys should be able to track phones and computer records and all that business. I demand that you actually investigate this. Otherwise I will retain my brother in law to file suit against green sky for reporting fraudulent activity on my credit report. I just want to get this resolved so I can get my business going Sent from my XXXX On XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX XXXX wrote :? 
Hello XXXX XXXX, Your debt validation documents were mailed to you on XX/XX/XXXX. GreenSky also provided a response to the CFPB regarding your request to remove the account from your credit report and confirmed that based on the information provided to you, the account would not be removed from your credit. 
Please let me know if you need any additional assistance regarding this matter. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Re : GreenSky Account - XXXX, XXXX XXXX [ ref :! XXXX.! XXXX : ref ] XXXX XXXX XXXX. I apologize that I missed your call. I am tied up at the moment. What have yall found out? 
Sent from my XXXX XXXX XX/XX/XXXX, at XXXX? PM, XXXX XXXX XXXX wrote :? 
Hello XXXX, This is XXXX with XXXX reaching out regarding concerns we have received. I'm sorry I was not able to reach you. Please return my call at your earliest convivence. My hours are XXXX XXXX XXXX Time and I could be reached at XXXX XXXX XXXX  or you can reply directly to this email so I can address your concerns. 

Kind Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief