Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a victim of identity theft. I am male ( This becomes important, believe it or not ). A female individual, who was named in a police report, opened online bank accounts with my identifying information and subsequently took out loans using that information and bank accounts they had opened. They had access to a phone on my family plan, lived in and out of my home, and had access to my mail. They created several email addresses to take out many loans and other credit and banking products with my information. These events took place while I was XXXX  serving XXXX XXXX in a XXXX XXXX, working on secure operations where I had no access to online banking or anything more than a satellite phone. I have also confirmed with my military bank at the time that there was no loan activity or deposits other than my duty pay. The offending party opened a checking and savings account with RBFCU, took out auto loans, opened lines of credit and credit card IN THEIR OWN NAME and UNDER THEIR OWN SOCIAL, and then TRANSFERRED THEM to MY name and social security number. They went delinquent after transferring the accounts to my information. 

RBFCU claims that this was done in person. I do not doubt that the culprit did this in person, however that person is not me and that person is a FEMALE while I am a MALE. Our social security numbers are DIFFERENT. Our names are DIFFERENT. There was mention on a call with RBFCU of XXXX  being the reason for the change of information (??!?!?!?!?! ) however, I was born male, remain male, and have proof of continuity of my male status from birth to now. 

I can prove that I am who I am. My birth certificate issued in XXXX shows I am biologically male and always have been, I have had the same name, I have never been known by any other name besides a nickname that is nowhere near the name of the offender. I have my military papers from XXXX ( when I was XXXX ) showing I was ME with the same social security number I have always had at that time. I have my marriage certificate from XXXX showing that I had the same name and social as always. I have my discharge papers from XXXX ( this year ) where I served my XXXX enlistment in the military under the same name and social. The military did not allow or recognize XXXX  people, and would not have allowed me to serve as a male while being female ... and they THOROUGHLY check for parts. I have medical documentation that shows that I am biologically male as well. All around, I was born a biological male and remain a biological male. I have NEVER used another social or name and have never legally or otherwise identified myself as a female. I have NEVER changed my name. I have been ME under these identifiers since BIRTH. 

I have attempted to resolve this with RBFCU and have hit a wall, due to all law enforcement agencies that I have contacted arguing over jurisdiction. This occurred in an area that RBFCU is not headquartered in, I live somewhere else, and I was way far away in a land where they don't care when this occurred. 

Again, these accounts were transferred from one name and social security number to another name and social security number without both people present, and RBFCU allowed this to happen. Please remove this from my credit report and stop attempting to collect this debt. RBFCU already has their documents needed for this, I am not attaching them again here unless specifically requested.

Company response to consumer: Closed with explanation