Consumer complaint received 2024-07-16 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: Regional Management Corporation
State: CA

Complaint narrative:
Disputing Account # XXXX TO WHOM IT MAY CONCERN : I have reached out to REGIONAL FINANCE on multiple occasions regarding this erroneous debt and/or account reported to major credit bureaus as of XX/XX/XXXX. This account was opened fraudulently and Regional Finance has failed to provide proof of validation regarding a debt that does not belong to me. Furthermore Regional Finance has submitted this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act and according 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. REGIONAL FINANCE ; You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( XXXX ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : XX/XX/XXXX Disputing Account # XXXX XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 
XXXX. Provide the purchase agreement showing who you purchased my personal information from without my consent which is fraud because I never have done business with you XXXX. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt being created. 
XXXX. The Original Promissory Note on this Alleged Debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. 
Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is XX/XX/XXXX Disputing Account # XXXX participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 
Stop contacting me about this or any other matter you have. cease and desist immediately and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent. 
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau

Company response to consumer: Closed with explanation