Consumer complaint received 2024-01-26 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Complaint and Dispute Regarding Fraudulent Loan Agreement Dear XXXX XXXXXXXX XXXX  XXXX, I am writing to bring to your immediate attention a matter of utmost concern regarding a fraudulent loan agreement that has been attributed to my identity. My name is XXXX XXXX, and I recently discovered a balance of {$15000.00} associated with a loan purportedly taken out under my name. 

According to the information I have received, the fraudulent loan agreement was created on or about XX/XX/2023, and my signature was electronically forged. What is particularly distressing is that the XXXX address associated with the signature, claimed to be mine, is located in XXXXXXXX XXXX, while I reside in XXXX XXXXXXXX XXXX 

I have substantial evidence to prove that I was physically present in XXXX XXXXXXXX XXXX on the date in question, which contradicts the alleged electronic signature. Specifically, I have uploaded documentation that clearly indicates my location in XXXX XXXXXXXX XXXX, on XX/XX/2023. This raises a significant red flag as it is impossible for me to be physically present in XXXX different states simultaneously. 

It is customary for the XXXX address of the signer to be captured when a document is signed electronically. However, the IP address associated with the fraudulent agreement is in direct conflict with my actual location on the specified date. This disparity is indicative of a serious case of fraud and identity theft. 

I am formally requesting the following documents to be provided within 15 days : Telephone records demonstrating any communication between myself, XXXX XXXX, and your company on XX/XX/2023. 
Recorded conversations related to the alleged loan agreement on the aforementioned date. 
Proof of a valid contract, including any supporting documentation, establishing the legitimacy of the debt in question. 
Failure to provide the requested documents within the stipulated timeframe will leave me with no option but to pursue legal action to safeguard my identity and creditworthiness. The severity of the situation demands swift and decisive action to rectify this issue. I insist on the immediate removal of this fraudulent debt from my credit report. 

Please address the specific concerns raised, especially explaining why the XXXX address associated with the signature is located in XXXXXXXX XXXX  when I have evidence placing me in XXXX XXXXXXXX XXXX  on the same date. I have attached a photo from my device clearly indicating my location and date, which does not align with the details of the alleged agreement. 

I expect a prompt and thorough investigation into this matter, along with the necessary actions to clear my name and credit history of any fraudulent activity. Your cooperation in resolving this issue expediently is appreciated. 

Furthermore, I have attached the original contract agreement that was forged without my knowledge, a Police Report, a state attorney general complaint, and photos showing proof I was in my Hometown of XXXX XXXXXXXX  on the date that this fraudulent document was executed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation