Consumer complaint received 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: GA

Complaint narrative:
15 U.S. Code 1681c-2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been more that XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIAYELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following accounts listed IMMEDIATELY. 

RE : Letter of Deletion for all of the Accounts including collection accounts as well as all of the unconfirmed and unauthorized inquiries listed in this dispute including the Bankruptcy and unconfirmed and unauthorized inquiries. 

My information with XXXX has been breached and here is the proof attached below. They refuse to delete these accounts. So please delete this from my credit report immediately as I was a victim of this data breach. I received a copy of my credit report and found the following item ( s ) to be in error.

18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ). to collect or attempt to collect any extension of credit, or ( 2 ). to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than XXXX years, or both. 

( b ). In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that XXXX or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 

( c ). In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.

Company response to consumer: Closed with explanation