Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am filing this complaint to report an inaccurate, invalid, and unauthorized account appearing on my credit report under XXXX specifically the account listed as XXXX. I want to state clearly and without any ambiguity that I DO NOT own this account, I never opened it, I never authorized it, and I never entered into any agreement, contract, or financial relationship with XXXX/OPPLNS or any associated lender, servicer, collector, or third-party entity. 

The XXXXOPPLNS account reported on my credit file shows as a collection/charge-off, with derogatory marks, late payments, and a past-due balance. None of these entries are accurate because the account does not belong to me. I have never seen, signed, or received any documentation associated with an account under XXXX/OPPLNS. The appearance of this account on my credit report reflects a severe and harmful inaccuracy, whether due to identity theft, file merging, creditor error, improper data reporting, or an automated matching mistake by the credit bureaus. 

Below is a detailed account of what happened, the steps I took, the failure of the furnishers and CRAs to properly verify the information, and why I am asking the Consumer Financial Protection Bureau to intervene. 

1. I Do NOT Own This XXXX/OPPLNS Account First and foremost, I have never : Applied for any loan with XXXX/OPPLNS Signed an agreement or promissory note with them Entered into any credit relationship with this company Received communications, bills, statements, or disclosures Approved, authorized, or requested any transaction related to this account Used any funds allegedly borrowed through this account There is no legitimate connection between me and this account. I do not recognize the company, the loan type, the account structure, or any part of the information furnished. 

Because I have never conducted business with XXXX/OPPLNS, the account is factually incorrect, falsely attributed to me, and unlawfully harming my credit profile. 

2. The Account Appears to Be the Result of Furnisher Error, Identity Theft, or File Mixing Since I never opened this account, the reporting must be the result of one or more of the following : A. Identity Theft or Fraudulent Use of My Information Someone may have used my identity without my knowledge or consent. However, XXXX/OPPLNS has not provided ANY documentation showing : How they verified identity at account opening What documents were used to confirm identity Whether they checked identification at all Whether they conducted proper fraud screening They have not shown ANY connection to me. 

B. File Mixing or Merged Profile Errors Credit bureaus sometimes incorrectly merge consumer credit files when individuals share similar names, birth years, addresses, or other identifiers. XXXX/OPPLNS may have furnished data that the bureaus incorrectly attached to my profile. 

C. Furnisher Reporting Error XXXXOPPLNS may have misreported the account to the wrong consumer file. Lack of proper data matching and verification frequently causes this type of error.

D. Incorrect or Outdated Data from Third Parties If XXXX/OPPLNS sold, transferred, or assigned this account to another entity or data aggregator, bad information could have been passed from system to system without verification. 

Regardless of the cause, the core fact is the same : The XXXX/OPPLNS account XXXX is NOT mine. 

3. I Filed Disputes With the Credit Bureaus, but No Proper Verification Was Provided After discovering the false XXXX/OPPLNS account on my credit report, I followed the law and filed disputes with the credit reporting agencies. In these disputes, I clearly stated : I do not own this account I never opened this account I never authorized this account I have no relationship with XXXX/OPPLNS I request full validation and documentation However, instead of receiving verification documents such as a signed loan agreement or identity proof, the credit bureaus returned vague dispute results such as : The furnisher verified the information as accurate. 

This is not verification. 
This is not documentation. 
This is not compliance with FCRA 611. 

The bureaus failed to provide : The Method of Verification required by law Any documents supporting the alleged account Any explanation of how or why the account is connected to me Any original agreements or applications Any evidence that XXXX/OPPLNS validated the data The dispute results suggest that the credit bureaus relied solely on automated e-Oscar responses, which allow furnishers to check a box without supplying any documentation. 

This violates the requirement for a reasonable reinvestigation under the FCRA. 

4. XXXX/OPPLNS Has Not Produced Any Documentation Proving I Opened This Account To lawfully report or collect a debt, XXXX/OPPLNS must be able to provide the following documentation : Required Documents Not Provided : Original loan application Full contract or agreement containing my signature Identity verification checks performed at origination IP address logs ( if electronic application ) Loan disbursement details Payment history Billing statements Communications sent to me Fraud investigation logs Transfer or assignment records ( if applicable ) XXXX/OPPLNS has provided none of these documents. 

In short : They have not validated the account. They have not proven the account belongs to me. They have not met their legal obligations. 

5. Credit Bureaus Failed to Provide the Method of Verification Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when I request the Method of Verification ( MOV ), the bureaus must provide : Who verified the account How they verified it What documents they examined The system used ( manual review or automated system ) The specific data reviewed However, I received no such information.

The failure to provide a legally compliant MOV is a violation of the FCRA and demonstrates that the reinvestigation was superficial and incomplete.

6. Continued Reporting of This Inaccurate Account Is Causing Significant Harm The XXXX/OPPLNS account is listed as : collection/charge-off past due delinquent derogatory This kind of reporting severely damages a consumers credit standing, resulting in : reduced credit score denial of credit applications higher interest rates negative impacts on housing opportunities rejection from rental applications negative insurance determinations employment screening complications I am experiencing direct financial harm as a result of an account that is not mine. 

This is precisely the type of damage the FCRA was written to prevent. 

7. XXXXOPPLNS Lacks Legal Standing to Report This Account A furnisher may only report an account if : The account is valid The furnisher can establish ownership or servicing rights The account belongs to the consumer They possess documentation supporting the reporting XXXX/OPPLNS has not met any of these criteria. 
Therefore, they lack legal standing to furnish this account under : FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurate information FCRA 623 ( b ) Duty to investigate disputes FDCPA 807 Prohibition on false representation FDCPA 809 ( b ) Validation requirements Continued reporting without proof is unlawful. 

8. No Chain of Custody or Assignment Documentation Exists If XXXX/OPPLNS claims the debt was transferred or sold, they must provide : Chain of assignment Purchase agreements Loan transfer records Account-level servicing history None of this has been produced. 

This further confirms that the account is unverifiable. 

9. XXXX/OPPLNS Failed to Follow Federal Regulations Concerning Dispute and Verification Under the FCRA, a furnisher must : Conduct a lawful and reasonable reinvestigation Review all relevant information Correct inaccurate data Delete information that can not be verified Notify all CRAs of corrections XXXX/OPPLNS failed to do this. 

They simply responded through an automated system with no proof or analysis. 

10. Federal Law Requires Deletion of Unverified or Inaccurate Information Under the FCRA, any information that is : inaccurate unverified can not be substantiated belongs to another individual is the result of identity theft is the result of a mixed or merged file must be deleted. 

XXXX/OPPLNS account XXXX meets all of these criteria. 

11. What I Expect the CFPB to Review I request that the CFPB review : A. Why XXXXOPPLNS reported an account that is not mine B. Why no documentation has been provided C. Whether the CRA reinvestigations were performed properly D. Whether the verification process violated the FCRA E. Whether XXXX/OPPLNS improperly used automated dispute systems F. Why the account continues to report despite no validation This will help determine where the violation occurred. 

12. Why CFPB Assistance Is Necessary I attempted to resolve this directly through the dispute process, but the results were insufficient and incomplete. No verification has been provided. No documentation exists. The account continues to cause harm. 

As a consumer, I am entitled to accurate credit reporting. 
That right has been violated. 

Therefore, I am requesting CFPB intervention to ensure compliance. 

13. Summary of What Happened To summarize clearly : XXXX/OPPLNS account XXXX is not mine. 

I never opened or authorized this account. 

No documentation exists showing that this is my account. 

The credit bureaus failed to verify the account. 

XXXX/OPPLNS failed to validate the account. 

The account remains on my credit report. 

The continued reporting is causing harm. 

The FCRA requires its deletion. 

This complaint is necessary to correct the inaccurate reporting.

14. My Request I am asking the CFPB to assist in ensuring : The account is fully investigated The furnishers provide proper documentation The credit bureaus perform a lawful reinvestigation The account is deleted if the furnisher can not prove ownership All negative impacts are corrected That is the full explanation of what happened and why I am requesting CFPB involvement.

Company response to consumer: Closed with explanation