Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am submitting this complaint regarding America First Credit Union, which has failed to address a case of identity theft and fraud involving both a personal account and a business account opened in my name without my consent. Despite providing a police report that confirms the fraud, America First Credit Union has denied my claim, and as a result, I am unable to open a legitimate account with them. Additionally, I have been informed that a business account was opened in my name, but the business name is not mine. I am requesting that these fraudulent accounts be removed from their system, and that I be allowed to open an account with America First Credit Union. 
Incident Overview : On or around [ insert approximate date ], I discovered that both a personal account and a business account had been opened at America First Credit Union under my name without my consent. After discovering the fraudulent activity, I immediately filed a police report which is. This report clearly confirms that I was a victim of identity theft. 
I provided America First Credit Union with a copy of the police report, as well as additional evidence supporting my claim of fraud. Despite submitting this documentation, America First Credit Union has denied my claim and refused to remove the fraudulent accounts from their system. They also stated that a business account was opened in my name, but the business name associated with this account is not mine. 
Legal Violations : America First Credit Unions actions may be in violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : The FCRA requires that when a consumer disputes information on their credit report, including fraudulent accounts, the creditor or reporting agency must conduct a reasonable investigation. America First Credit Union failed to fulfill this obligation despite the submission of a police report confirming identity theft. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : While the fraudulent accounts were not sent to collections, I am still entitled under the FDCPA to dispute any debt or account that I believe to be fraudulent. America First Credit Union has failed to act in accordance with this law by refusing to remove the fraudulent accounts from their system. 
Identity Theft and Fraudulent Transactions Utah Code 76-6-103 : The fraudulent opening of accounts in my name, including the business account with a name that is not mine, constitutes identity theft under Utah law. I am entitled to have these accounts removed from the system and cleared from my record.

Supporting Documentation : I have attached the following documents to support my complaint : A copy of the police report from [ insert police department name ], Case Number [ insert case number ]. 
Evidence of the fraudulent personal account opened in my name. 
Evidence of the fraudulent business account opened in my name, including the incorrect business name associated with the account. 
Request for Resolution : I respectfully request that America First Credit Union take the following actions : Immediately investigate the fraudulent accounts and remove them from their system. 
Remove the fraudulent personal and business accounts associated with my name and clear any negative or false information linked to these accounts. 
Allow me to open a legitimate personal account with America First Credit Union, as I am unable to do so due to the fraud on my file. 
Provide written confirmation that the fraudulent accounts have been removed from their system and that my name has been cleared of any fraudulent activity.

Company response to consumer: Closed with explanation