Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Roadrunner Account Services, LLC
State: MO

Complaint narrative:
I am the Trustee of the XXXX XXXX XXXX Revocable Living Trust and the secured party to the Grantor, XXXX XXXX ', personal information. Roadrunner Financial , Inc. unlawfully opened and/or reported a new tradeline on the Grantor 's consumer credit file after receiving a formal cease-and-desist notice sent via certified mail, expressly prohibiting any further account activity, data use, or credit reporting in the Grantor 's name. This was done without the Grantor 's knowledge, consent, or authorization, constituting identity theft, willful furnishing of false information, and unauthorized use of my nonpublic personal information in violation of multiple federal and state laws.

Timeline of Events XX/XX/year> Constructive Notice to Cease-and-desist letter sent to Roadrunner Financial via certified mail ; included explicit prohibition against further credit reporting or account activity. 

XXXX USPS confirms delivery ; Roadrunner Financial had actual knowledge of my revocation of consent via XXXX XXXX , General Counsel and Compliance Officer. 

XXXX Despite notice, a new tradeline was opened/reported by Roadrunner Financial on my XXXX  report . 

XXXX I discovered the unauthorized tradeline when reviewing my credit file. 
XXXX - I filed a Federal Identity Theft Report for misuse of my credit file Federal Statutes Violated 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x 1681c-2 ( a ) ( FCRA 605B ) Failure to block information resulting from identity theft within 4 business days of receiving an identity theft report.

1681s-2 ( a ) ( 1 ) ( A ) Furnishing information to a consumer reporting agency that the furnisher knows or has reasonable cause to believe is inaccurate.

1681s-2 ( a ) ( 1 ) ( B ) Continuing to furnish information after it has been disputed and found to be inaccurate or unverifiable.

1681s-2 ( a ) ( 6 ) ( B ) Failing to prevent the reappearance of deleted information.

1681q Obtaining consumer information under false pretenses.

1681b ( f ) Using or obtaining consumer reports without a permissible purpose.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p ( if they or their agents attempt collection ) 1692c ( c ) Communicating with a consumer after receiving written notice to cease communication.

1692e ( 8 ) Communicating or threatening to communicate false credit information, including failing to communicate that a debt is disputed.

1692f Using unfair or unconscionable means to collect or attempt to collect a debt.

3. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 6801 ( a ) Failing to protect the security and confidentiality of customer records.

6802 ( a ) Disclosing nonpublic personal information to nonaffiliated third parties without notice or consent.

6802 ( c ) Using nonpublic personal information for unauthorized purposes.

4. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 1028 ( a ) ( 7 ) Knowingly transferring, possessing, or using, without lawful authority, a means of identification of another person with the intent to commit unlawful activity.

5. Wire Fraud, 18 U.S.C. 1343 ( if electronic transmission was involved ) Engaging in a scheme to defraud by means of interstate wire communications.

State Law Violations ( Insert applicable Missouri statutes or your current jurisdiction ) RSMo 407.020 Missouri Merchandising Practices Act unfair or deceptive acts or practices in connection with the sale or advertisement of merchandise ( includes credit transactions ).

RSMo 570.223 Identity theft knowingly and with the intent to deceive or defraud, obtaining, possessing, transferring, using, or attempting to obtain another persons identifying information without consent.

RSMo 456.10-1005 Duty to protect trust property breach by converting or misusing trust-protected personal identifiers.

Harm Suffered Credit score reduction and reputational injury.

Interference with the funding and operations of my trust estate.

Irreparable harm from unauthorized use of trust-protected personal identifiers.

Emotional distress from repeated willful violations after express notice.

Company response to consumer: Closed with explanation