Consumer complaint received 2025-12-09 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: Mobiloans, LLC
State: FL

Complaint narrative:
I am filing this complaint because Mobiloans is reporting an account on my XXXX  credit file that I do not recognize and that appears to be the result of identity theft. I have multiple documents from law enforcement confirming that my personal information has been used by another individual without my permission. 

The Florida Department of Law Enforcement ( FDLE ) conducted a Compromised Identity Review and determined that another person used my name, date of birth, and Social Security number. FDLE also confirmed that fraudulent information was attached to a second State Identification Number that does not belong to me. I also submitted the official FDLE Compromised Identity Review Claim Form, which explains that my vehicle was broken into and my personal documents, including my XXXX, drivers license, and credit cards, were stolen. These documents were later used to commit fraud in my name. 

The XXXX XXXX XXXX Sheriffs Office also completed a fingerprint comparison and verified that I am not the same person associated with an arrest record that had been incorrectly tied to my identity. This fingerprint verification confirms that someone else used my identity. I am including the false arrest documents as additional evidence of the identity theft I have been dealing with. 

Because of these identity theft issues, I sent Mobiloans several Method of Verification ( MOV ) requests by certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these were delivered and received. Mobiloans responded on XX/XX/XXXX and again on XX/XX/XXXX, but neither response complied with the Fair Credit Reporting Act. Mobiloans did not provide any proof that I ever opened the account, no signed agreement, no internal records, no transaction history, and no explanation of how they verified the information. Their responses did not meet the requirements of FCRA and did not provide any evidence that this account belongs to me. 

Mobiloans also admitted that the last activity on the account occurred in XXXX. Despite this, XXXX continues to report this account in a way that suggests more recent activity. If any date newer than the original delinquency date is being used, this would be considered illegal re-aging under the FCRA. Mobiloans also stated that they only report to XXXX making XXXX  the only credit bureau responsible for correcting or deleting this inaccurate information. 

Considering that my identity has been compromised, that Mobiloans has failed to verify the account, and that the account may be incorrectly re-aged on my credit report, I am requesting the following actions : Require Mobiloans to provide full and proper validation of the account, including signed documentation, internal account records, and the exact method of verification. 

Require XXXX to delete the Mobiloans account in its entirety, because it can not be verified and is linked to documented identity theft. 

Conduct a full investigation into Mobiloans ' compliance with the Fair Credit Reporting Act, given their failure to provide proper verification after multiple certified disputes. 

I am attaching all evidence, including certified mail receipts, Mobiloans responses, FDLE documentation, fingerprint verification, and the false arrest records associated with my identity. 

Thank you for your assistance.

Company response to consumer: Untimely response