Consumer complaint received 2025-02-04 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: FC HoldCo LLC
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to report identity theft and fraudulent activity that has been committed using my personal information. I am requesting the Consumer Financial Protection Bureaus assistance in investigating and resolving this issue. As a result of the fraudulent use of my personal information, my credit has been severely impacted, and I am seeking immediate action to protect my financial well-being. 

Identity Theft Incident In XXXX, I first became aware of the identity theft when I noticed discrepancies on my credit report and received notices from creditors and collection agencies regarding accounts that I did not open. These fraudulent accounts were opened without my consent and in my name, using my personal identifying information, including my Social Security Number ( SSN ). I believe my SSN was used to open these accounts, as I have not authorized any of these transactions.

The fraudulent accounts were initially brought to my attention after a denied loan application in [ Date of Denial ]. Upon investigating the matter, I realized that my personal information had been misused. Since then, I have been actively monitoring my credit and taking steps to resolve the issue, but I have not been able to fully resolve these concerns.

Fraudulent Accounts Upon reviewing my credit reports from the three major credit bureaus ( XXXX, XXXX, and XXXX ), I discovered multiple accounts that were opened fraudulently under my name. Below is a list of the fraudulent accounts I have identified : XXXX. XXXX XXXX Account Fraudulently Opened On XX/XX/XXXX XXXX. XXXX XXXX Account Fraudulently Opened On XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Fraudulently Opened On XX/XX/XXXX XXXX. XXXX Account Fraudulently Opened On XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Fraudulently Opened On XX/XX/XXXX These accounts were opened without my knowledge or permission. I have not benefited from these credit lines, nor have I made any purchases or signed any agreements with these creditors. I am requesting that these fraudulent accounts be removed from my credit reports and that the necessary actions be taken to prevent further misuse of my personal information. 

Steps Taken to Address the Issue Since discovering the fraudulent activity, I have taken the following actions : 1. Filed a Police Report : I filed a police report with my local law enforcement agency. A copy of the report is included with this letter.

2. Notified the Credit Bureaus : I have contacted the three major credit bureaus to dispute the fraudulent accounts and placed a fraud alert on my credit reports. Despite my efforts, these accounts have not been removed, and I have not received satisfactory responses from the creditors involved.

3. Contacted the Creditors : I have reached out to the creditors associated with the fraudulent accounts. While some creditors have acknowledged the fraudulent activity, they have not yet taken the necessary steps to close these accounts or remove them from my credit reports. 
4. Placed a Credit Freeze : I have placed a credit freeze on my credit reports to prevent further fraudulent activity. I have also requested that my personal information not be shared with any new creditors without my consent.

Despite these efforts, the fraudulent accounts remain on my credit report, and I continue to face negative consequences as a result of this unauthorized activity. I am seeking your assistance to investigate this matter and help me rectify the damage caused by these criminals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation