Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc
State: TX

Complaint narrative:
This is regarding my complaint against Possible Finance, which have failed to provide the validity of its response to my complaint, and I am simply providing my response to Possible Finance.

To whom it may concern at Possible Finance, I received your response through the CFPB regarding my complaint against Possible Finance dated XX/XX/XXXX. First and foremost, let me make it clear that I am appalled by your unprofessional courtesies and baseless assumptions. As stated in your response, you claim to have proof that I applied for this loan which includes my personal information and a selfie taken to verify my identity. You claim that someone couldn't have my bank info, DL, SSN, DOB, and a live selfie done by me. Well, I have news for you, someone else having this info is called Identity Theft which is what has occurred in this situation. If this information accurately reflects your records, the solution is easy, simply provide me with proof. I am curious to see the selfie that was verified by me. Regarding the XXXX Release documents I provided, I was baffled by your baseless assumptions of providing a false document because the XXXX number is XXXX digits and not XXXX digits. I wasnt aware that I had to provide Possible Finance with instructions on how XXXX works so you can comprehend their workplace duties. Nonetheless here is the information I am providing to see if perhaps you would comprehend the facts instead of your unprofessional insights on what you perceive to be false. When an inmate is processed in the computer, they add a XXXX to the front of the XXXX XXXX XXXX XXXX because that is how XXXX software was programmed to work, to include a XXXX in the XXXX number to look up an inmate. An original XXXX number when issued is XXXX digits long. My release documents were handwritten which is why my XXXX number did not include the zero in the front. It's not that it was a fraudulent document as you stated. Jumping to that conclusion, it was upsetting, unprofessional, and appalling without merit. You should do your research and respond with facts instead of assumptions. Finally, including that an arrest warrant was issued for me in XXXX was neither here nor there. That warrant was served and added to my sentence while I was incarcerated. But again, if you knew the facts, you would not be talking out of context. I have attached documents for your review, including how many digits are in a TDCJ number. Furthermore, please be advised that your unprofessional conduct and careless practices of providing funding without proper security identity checks prompted me to file a complaint with the Texas Office of Consumer Credit Commissioner and the Finance Commission of Texas. Now that I have addressed your false claims, my point still stands. I am an identity theft victim, and my solution remains, you will remove this unauthorized account from my credit reports. I expect this issue to be resolved accordingly and as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation