Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
I am following up on my ongoing complaint regarding an alleged personal loan debt that I strongly believe may be the result of identity theft. This matter involves a debt originally associated with XXXX XXXX XXXX XXXX, which has resulted in a wage garnishment order being issued through XXXX XXXX XXXX XXXX XXXX ( Case # : XXXX ). I do not recognize this debt, did not apply for it, and did not authorize any such loan. XXXX XXXX XXXX XXXX previously indicated that they no longer service personal loans and that the account was transferred to XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ). I have now been informed that XXXX subsequently transferred the account again to Velocity Portfolio Group ( XXXX ). However, I have been unable to obtain any response, documentation, or meaningful communication from Velocity Portfolio Group, despite attempts to contact them. At no point have I been provided with documentation verifying the origin of this account, including a signed application, identification records, or any evidence of authorization. Additionally, this alleged account does not appear on any of my credit reports, which further prevents standard dispute resolution through the credit bureaus. The repeated transfer of this file between multiple entities, without any party providing verifiable documentation or taking clear responsibility for validation, has made it increasingly difficult to resolve this matter. More importantly, it raises serious concerns about whether this debt is valid and properly attributed to me. At this time, I am unable to confirm that this is a legitimate debt. Based on the absence of supporting documentation, lack of credit reporting, and the inability to obtain verification from the current servicing entity, I continue to strongly suspect that this may involve identity theft or an improperly opened account. Given that a wage garnishment order is already in place, continued enforcement without proper verification is causing significant financial hardship and due process concerns. I respectfully request the following : A full and independent investigation into the legitimacy of this alleged debt Verification of the original loan application, including signed authorization, identity verification, and supporting documentation A complete chain of ownership and servicing history of the account from origination to present holder Confirmation of the legal basis for continued collection and garnishment activity Immediate suspension of all collection and enforcement actions, including wage garnishment, until full validation is completed Until the legitimacy of this account is conclusively verified, I respectfully request that all collection and enforcement activity be paused. I appreciate your attention to this matter and request that it be reviewed based strictly on verifiable documentation and factual validation.

Company response to consumer: Closed with explanation