Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
Formal Notice of Consumer Complaint To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX RE : Consumer Complaint against OneMain Financial XXXX XXXX for Failure to Respond to Second Notice of Identity Theft Dispute Executive Summary I am filing a formal complaint against OneMain Financial XXXX XXXX for egregious and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. On XX/XX/XXXX, I issued a Second Formal Dispute directly to their compliance and fraud department. This notice outlined absolute proof of criminal identity theft and a physical impossibility regarding an account they continue to report as a " Charged Off '' debt. OneMain Financial XXXX XXXX has failed to respond or resolve this matter within the statutory XXXX timeline. Respondent Information Company Name : OneMain Financial / XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Department : Fraud Department / Dispute / Compliance Disputed Fraudulent Account Details Account Number : XXXX Balance : {$2000.00} Reported Status : Charged Off Alleged Opening Date : XX/XX/XXXX Statement of Facts and Physical Impossibility Continuous Incarceration : I have been in the continuous physical custody of the XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I am serving a long-term sentence and have not been a member of free society for nearly XXXX years. Absolute Physical Impossibility : It is a verifiable physical impossibility for me to have opened this account in XX/XX/XXXX or to have utilized a {$500.00} credit limit to accrue a {$2000.00} balance while confined. Fraudulent Address Associations : The application for this account fraudulently utilized residential addresses at XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX ). I have zero connection to these locations and have been confined to a correctional facility during the entire timeline of these transactions. Failure to Investigate : Despite receiving my second formal notice along with official, state-issued proof of my incarceration ( OK DOC Consolidated XXXX XXXX and XXXX ID ), this company has completely ignored the documentation and continues to damage my credit reputation. Remediation Requested I request that the CFPB enforce federal guidelines and compel OneMain Financial / XXXX to : Complete Deletion : Immediately and permanently block and delete this entire trade line ( Account No. XXXX ) from my credit profiles at XXXX XXXX XXXX XXXX Cease and Desist : Permanently halt all collection actions and cease reporting this fraudulent debt to any third party. Debt Voidance : Void the alleged debt in its entirety and issue me a formal letter of clearance confirming I am released from all liability. Thank you for your prompt intervention to stop this company 's willful non-compliance with the FCRA. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation