Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX. My Laptop was stolen at XXXX XXXX. I reported it immediately to the XXXX police because access to all my personal information, Email, Pictures & XXXX was on there. Due to delay of the XXXX XXXX police no footage was recovered and I did not obtain my police report until XX/XX/XXXX sometime. Months go by until I check my credit reports where I discovered my Identity & multiple accounts have been compromised. I then took necessary precautions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Respondents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft ; Illegal Repossession ; Extortion Attempt ; Failure to Block Under FCRA SUMMARY OF ISSUE This complaint concerns a fraudulent XXXX Title loan XXXX XXXX XXXX. XXXX ) that resulted in an unlawful lien and illegal repossession of my vehicle. 
Despite submitting all required identity-theft documents, XXXX has reinserted and verified the fraudulent account in violation of federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also engaged in extortion, demanding money to return my vehicle based on a loan I never applied for, approved, or signed. 



IDENTITY-THEFT DOCUMENTS PROVIDED I submitted to XXXX  and the furnishers : Two police identity-theft reports ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX A notarized FTC Identity Theft Affidavit Proof of identity A detailed written dispute identifying the account Under 15 U.S.C. 1681c-2 ( FCRA 605B ), XXXX was required to block the fraudulent information within XXXX business days. 
They refused, relying on an unlawful excuse ( similar phone number ), and later reinserted the account without proper reinvestigation. 

XXXX and the furnisher refused to block the account using an irrelevant and non-legal justification ( similar phone number ), which is not an allowed statutory exception. 
No signature verification, no IP logs, and no lien authorization were reviewed or provided UNLAWFUL EXTORTION DEMAND XXXX and XXXX attempted to extort payment from me for the fraudulent account. 

XXXX. Reinstatement Payment Demand Email ( Extortion ) On XX/XX/XXXX, I received a letter demanding : {$1100.00} to reinstate the agreement Payment by XXXX or XXXX Requirement to give payment confirmation before release of my own vehicle This was demanded after they illegally repossessed my vehicle based on a fraudulent lien. 

XXXX. Payoff Notice in Uploaded Records ( Further Extortion ) I also received a formal payoff notice ( uploaded ), which states : XXXX XXXX XXXX  {$4200.00} payoff Fees including repossession charges These demands constitute extortion, unfair practices, and collection activity on a fraudulent debt. 



FEDERAL VIOLATIONS FCRA Violations XXXX XXXX + Furnishers ) 1681c-2 Failure to block identity-theft information 1681s-2 ( a ) Reporting/maintaining fraudulent info 1681s-2 ( b ) Failure to conduct a reasonable investigation 1681i Improper reinsertion & failure to reinvestigate FDCPA Violations ( XXXXXXXX XXXX XXXX XXXX XXXX 1692f ( 6 ) Taking property without a valid present right to possession Attempting to collect/extort payments for a debt created through identity theft TILA Violations ( XXXX  ) 1638 No required disclosures were ever provided because I never signed or authorized a loan FTC Act Violations ( All Furnishers ) 45 Unfair, deceptive, and abusive practices Extortion demands based on a fraudulent account Use of a fraudulent lien and misleading communications HARM CAUSED Illegal repossession of my vehicle Extortion attempts demanding money for a fraudulent loan Damage to creditworthiness Stress, financial harm, and ongoing consumer injury Continued reporting of known fraudulent data NOTICE If this matter is not resolved, I will pursue : FTC complaint XXXX XXXXXXXX Enforcement complaint Federal FCRA/FDCPA civil action for statutory, actual XXXX and punitive damages All rights reserved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation