Consumer complaint received 2025-12-15 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am submitting this statement to formally document the ongoing harassment and unlawful collection activity by OneMain Financial regarding a personal loan that was fraudulently opened in my name in XX/XX/XXXX. I did not apply for, authorize, consent to, sign for, or receive any proceeds from this loan. This account is entirely the result of identity theft, a crime of which I have been a continuous and documented victim since XXXX. For nearly a decade, my personal identifying information has been compromised and misused by unknown third parties, resulting in repeated fraudulent financial accounts being opened without my knowledge or consent. 

Upon discovering the fraudulent OneMain Financial loan, I took immediate and appropriate steps to protect myself and notify the creditor. I filed police reports, submitted FTC Identity Theft Reports, and provided OneMain Financial with extensive documentation proving that this account was not mine and was opened fraudulently. Despite receiving these materials, OneMain Financial has continued to pursue me aggressively for payment, subjecting me to repeated collection calls, written demands, and ongoing threats of credit reporting. This conduct constitutes harassment and has caused substantial emotional distress, XXXX, and financial harm. 
OneMain Financials actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires furnishers of information to conduct a reasonable investigation when fraud is reported and to correct or delete inaccurate information. Additionally, once a creditor is placed on notice that a debt is the result of identity theft and provided with an identity theft report, they are legally required to cease collection activity. OneMain Financials failure to do so demonstrates a willful disregard for federal consumer protection law. 
Furthermore, their continued attempts to collect this fraudulent debt violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits false representations of debt ownership, continued collection of disputed debts without validation, and harassment of consumers. To the extent OneMain Financial or its agents are acting as debt collectors, their behavior also violates the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ), which mirrors and expands upon the FDCPA by prohibiting unfair, deceptive, and abusive debt collection practices within the state.

Despite clear notice, documented proof, and my long-standing history as an identity theft victim, OneMain Financial has failed to conduct a lawful investigation, failed to provide proper validation, and failed to cease collection activity. Their actions have forced me to repeatedly defend myself against a debt I do not owe, consuming time, resources, and emotional energy while compounding the harm caused by years of identity theft. Being continually treated as responsible for criminal acts committed against me is both unjust and unlawful. 

I formally demand that OneMain Financial immediately cease all collection activity, permanently remove this fraudulent account from all consumer credit reporting agencies, and provide written confirmation that I am not and will never be held liable for this debt. Failure to do so will leave me no choice but to continue escalating this matter through regulatory agencies, legal counsel, and the courts. 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation