Consumer complaint received 2025-04-28 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: Mobiloans, LLC
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX Subject : Identity Theft - Unlawful Reporting and Refusal to Delete Fraudulent MobilLoans Account in Violation of the FCRA Complaint Against : Company Name : MobilLoans, LLC Company Address : XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Details of the Complaint : I am filing an urgent complaint against MobilLoans, LLC for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681s-2 ( a ) ( 6 ), and 1681e ( b ), regarding a fraudulent account that they refuse to delete and continue to furnish to XXXX  despite my full submission of identity theft documentation. 

I submitted an FTC Identity Theft Report, a police report, and a formal dispute to MobilLoans through XXXX  disputing the fraudulent account ending in XXXX. MobilLoans responded on XX/XX/year>, refusing to remove the account, falsely claiming that an application was submitted using my email address, and citing an alleged payment from a XXXX  XXXX XXXX account. 
However, this evidence does not validate authorization or consent. 

Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, once a consumer provides an Identity Theft Report, the furnisher is legally obligated to permanently block and delete all information alleged to be a result of identity theft and must cease reporting it to any consumer reporting agency. MobilLoans is violating the FCRA by : Failing to permanently delete the fraudulent information from my credit report after receipt of an official FTC Identity Theft Report. 
Continuing to furnish inaccurate and unauthorized information to XXXX, in violation of 15 U.S.C. 1681s-2 ( a ) ( 6 ). 
Failing to conduct a reasonable investigation into my dispute as required under 15 U.S.C. 1681i. 
Reporting false, inaccurate, and unverifiable information, violating the duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, I never authorized MobilLoans to open any account in my name, and I never authorized any payment attempts from my personal bank accounts. 

Their letter merely claims that the same email address was used. Under the FCRA, merely matching information like an email address is insufficient to verify account ownership. 
No wet-ink signed application, IP address, geolocation data, device fingerprinting, or telephone authorization was provided. 

Despite receiving official government documentation of identity theft, MobilLoans continues to : Ignore FCRA deletion requirements, Fail to properly block the fraudulent tradeline, Cause continuous credit damage, emotional distress, and financial harm. 



Relief Requested : Immediate and Permanent Deletion of the MobilLoans account ending in XXXX from all credit reporting agencies, including XXXX. 
Permanent Block of any reinsertion of the fraudulent tradeline under 15 U.S.C. 1681c-2 ( c ). 
Written Confirmation from MobilLoans that the account has been permanently removed and blocked. 
Monetary damages for willful noncompliance if they continue to violate the FCRA. 



Supporting Documents Attached : FTC Identity Theft Report Laws Violated : 15 U.S.C. 1681c-2 ( Block of information resulting from identity theft ) 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( Duties of furnishers regarding identity theft ) 15 U.S.C. 1681e ( b ) ( Duty to ensure maximum possible accuracy ) 15 U.S.C. 1681i ( Reinvestigations of disputed information ) Summary : MobilLoans has failed to comply with federal law. I demand immediate CFPB intervention to have this fraudulent account permanently deleted and blocked to prevent ongoing and future harm. 
If not resolved immediately, I will pursue legal remedies under the FCRA for damages.

Company response to consumer: Untimely response