Consumer complaint received 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft Dispute under FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ] and FCRA 604 [ 15 U.S.C. 1681b ] Dear XXXX, I am writing to formally dispute the following inaccurate information on my credit report, which resulted from identity theft. The information is not information relating to any transaction by myself ( the consumer ) .This dispute is filed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 605B [ 15 U.S.C . 1681c-2 ], and the appropriate E-OSCAR dispute code for this issue is 103. Additionally, I am disputing this item under FCRA 604 [ 15 U.S.C. 1681b ], as I never authorized this creditor to access my consumer report. Personal Information Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security XXXX Disputed Item XXXX Code : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. XXXX Code : 103 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. XXXX Code : 103 Account Name XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. XXXX Code : 103 Account Name XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. XXXX Code : 103 Account Name : AMER FST FIN Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. XXXX Code : 103 Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. XXXX XXXX : 103 Account Name XXXX XXXX Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. XXXX Code : 103 Account Name : XXXX Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, thus violating FCRA 604 [ 15 U.S.C. 1681b ]. Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, due to the lack of permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ], I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. Supporting Documentation I have enclosed the following documents to support my dispute : Identity Theft Report : Police report & FTC Identity Theft Report Proof of Identity : Copy of government-issued ID Proof of Address : Bank statement Statement of Dispute I declare that the information provided in this letter is true and accurate to the best of my knowledge. In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ] and FCRA 604 [ 15 U.S.C. 1681b ], please block the reporting of this fraudulent account and remove the unauthorized inquiry from my credit report immediately. Please confirm in writing that the requested actions have been taken within the time frame specified by law. Thank you for your prompt attention to this matter. Please notify me once the corrections have been made. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation