Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Identity Theft and Fraud Enabled by American First Finance LLC XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this complaint to formally report a case of identity theft and consumer fraud involving American First Finance LLC and XXXX XXXX XXXX, who facilitated a fraudulent financial transaction under my name without proper verification of identification or authorization. 



On XX/XX/year>, I received an email Completed Lease-to-Own Agreement Package from American First Finance. The documents falsely indicate I entered into a lease agreement for : Merchandise : XXXX XXXX XXXX XXXX and Pendant Gold XXXXXXXX XXXX XXXX XXXX  : {$1500.00} Total Finance Charges : {$5300.00} Merchant : XXXX XXXX  XXXX XXXX : American First Finance LLC This application was submitted fraudulently using my personal identifying information American First Finance LLC permitted XXXX XXXX XXXX to process an application using my name and sensitive personal information without obtaining or verifying any valid, government-issued ID. 



The following requests were made to American First Finance and remain outstanding : Full Application Disclosure : I have requested a copy of the complete application submitted using my identity. I need to review the information provided. 

Account and Card Details : I asked for the XXXX XXXX account number and debit card number that were used in connection with this fraudulent activity. 

Merchant Contact Information : I specifically requested the contact information for XXXX XXXX XXXX, so I can take action to prevent the merchandise from being delivered or shipped and to report fraud.

Fraud Department Access : I have requested to speak directly with someone from your Fraud Department, and this request has not yet been fulfilled.

Fraud Dispute Letter : I have asked that American First Finance send me an official fraud dispute letter via email, outlining the next steps and my rights as a victim of identity theft.

Fraud Alert Placement : I requested that a fraud alert be immediately placed on my personal information within American First Finance system to prevent any further unauthorized activity.

Identification Verification : I specifically asked whether American First Finance has a valid form of government-issued identification on file bearing the name on the application, as required for legitimate transactions.

To date, American First Finance has not provided adequate resolution or documentation and continues to enable harm through their failure to follow identity verification protocols.

I am requesting the CFPBs immediate assistance in holding both American First Finance LLC and XXXX XXXX XXXX accountable for their role in this fraud. Please advise on the next steps in the investigation process and notify me if any additional documentation is required.

Company response to consumer: Closed with non-monetary relief