Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I am submitting this complaint regarding a OneMain account that is currently reporting on my credit file as a charge-off with a reported balance of approximately {$7000.00}. I am formally stating that I do not own this account. I did not open this account, I did not authorize anyone to open it on my behalf, and I did not receive or benefit from any loan proceeds associated with this account. This account is the result of identity theft. I became aware of this OneMain charge-off after reviewing my credit report and noticing a derogatory tradeline reflecting a balance of approximately {$7000.00} that had been charged off. A charge-off of this size is highly damaging to my credit profile and significantly impacts my XXXX XXXX and overall financial standing. The reporting suggests that I defaulted on a substantial loan obligation, which is not accurate. I have never knowingly applied for or opened a loan account with OneMain corresponding to the account being reported. I did not sign any loan agreement, promissory note, or authorization allowing OneMain to extend credit in my name. I did not receive loan funds, make withdrawals, or otherwise benefit from the alleged loan proceeds. Upon discovering this account, I immediately took steps to protect myself. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), formally documenting that this OneMain account was opened fraudulently using my personal information. I also submitted disputes to the credit reporting agencies, clearly stating that this account does not belong to me and was opened as a result of identity theft. Despite filing the FTC Identity Theft Report and formally disputing the account, the OneMain charge-off continues to report on my credit file. The continued reporting of this fraudulent account is causing serious harm to my financial reputation and creditworthiness. The account reflects delinquency prior to being charged off. I did not make late payments on this account because I did not open it and had no knowledge of its existence at the time it was allegedly active. The negative payment history associated with this account does not reflect my financial conduct but rather fraudulent activity committed by an unknown third party. After identifying this fraudulent account, I requested that OneMain provide documentation proving that I personally opened and authorized this loan. Specifically, I requested : A copy of the original signed loan agreement or promissory note. Documentation showing the identity verification procedures used at the time of application and approval. Copies of any identification documents allegedly provided. Records showing how the loan funds were disbursed. Complete payment history and account statements from inception through charge-off. Documentation explaining how the {$7000.00} balance was calculated. To date, I have not received original signed documentation bearing my authorization. I have not received proof that I entered into a contractual agreement with OneMain for this loan. Any response indicating that the account was verified as accurate does not satisfy the requirement for a meaningful investigation, particularly after identity theft has been formally reported. Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies are required to ensure maximum possible accuracy in the information they report. Reporting an account as belonging to me when I did not open or authorize it violates this requirement. Additionally, under XXXX XXXX of the FCRA, once a consumer submits a valid Identity Theft Report, the credit reporting agencies must block the reporting of fraudulent information unless they determine that the report was false or based on misrepresentation. I have complied with the legal requirements for asserting identity theft. I filed the FTC Identity Theft Report and formally disputed the account. The continued reporting of this OneMain charge-off suggests that proper blocking procedures were not followed or that a meaningful and independent investigation was not conducted. It is particularly concerning that this account progressed to charge-off status without my awareness. A loan account with a balance of approximately {$7000.00} typically involves formal documentation and identity verification procedures. If this loan was approved in my name, I request review of : The method of application ( online, in-branch, phone ). IP address logs or electronic application records if submitted digitally. Device fingerprinting or geolocation data associated with the application. Copies of identification documents provided at the time of approval. Records of income verification or employment verification conducted. Documentation showing how and where the loan funds were disbursed. If funds were issued by check or electronic transfer, I request documentation showing where those funds were deposited and confirmation that the receiving account belonged to me. If the funds were deposited into an account not belonging to me, that fact would further confirm fraudulent activity. The financial impact of a {$7000.00} charge-off is severe. Loan charge-offs significantly reduce credit scores and create the appearance of serious financial irresponsibility. The presence of this tradeline affects my ability to obtain financing, housing, and other opportunities that rely on credit history. The harm caused by this account includes : Substantial reduction in my XXXX XXXX. Increased difficulty qualifying for loans or credit products. Higher interest rates on approved credit. Potential housing or rental denials. Emotional distress and financial instability. Because this account is fraudulent, I should not bear the burden of this harm. It is also troubling that this account was allowed to progress through delinquency and charge-off without effective fraud detection measures. If XXXX verification procedures were insufficient to detect identity theft, that internal issue should be reviewed and corrected. If OneMain believes that this account belongs to me, I request detailed documentation demonstrating : The date the loan was opened. The method of application. The identity verification process used. Copies of signed agreements bearing my signature. Proof that I personally received and benefited from the loan proceeds. Without such documentation, there is no legitimate basis for continuing to report this account as mine. I also request clarification as to whether this account has been sold, transferred, or assigned to any third-party collection agencies. If so, I request documentation of the chain of assignment and confirmation that the identity theft dispute was communicated to any third parties involved. Transferring a disputed fraudulent loan without proper notice perpetuates harm. The Fair Credit Reporting Act was enacted to protect consumers from inaccurate and fraudulent reporting. The continued reporting of this OneMain charge-off undermines the purpose of the law and causes unjust harm. I have acted responsibly by reviewing my credit report, filing an FTC Identity Theft Report, and submitting formal disputes. I am fully cooperating and willing to provide additional documentation to support my claim. A meaningful investigation must include review of original loan documentation and verification records. Simply confirming data through automated systems is not sufficient when identity theft has been reported. If OneMain can not produce documentation showing that I personally opened and authorized this loan, the only appropriate resolution is permanent deletion from my credit file. I am not attempting to avoid legitimate financial responsibility. If I had opened and used this loan account, I would take responsibility for it. However, I can not and should not be held responsible for a debt incurred through identity theft. The resolution I am seeking in this complaint is recognition that this OneMain charge-off was opened fraudulently, correction of the inaccurate reporting, and restoration of accuracy to my credit profile. I respectfully request that OneMain conduct a thorough and meaningful investigation into this matter and take corrective action consistent with federal consumer protection laws. I appreciate the opportunity to formally document this issue and request corrective action. I look forward to receiving a written response explaining the results of the investigation and confirming that the fraudulent OneMain charge-off account has been removed.

Company response to consumer: Closed with explanation