Consumer complaint received 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC
State: MS

Complaint narrative:
from : RISE SR Complaints <XXXX> via XXXX to : XXXX date : Wed, XX/XX/XXXX at XXXX XXXX subject : RISE [ XXXX ] mailed-by : XXXX signed-by : XXXX security : Standard encryption ( TLS ) Learn more : Important according to XXXX XXXX . 
RISE [ XXXX ] Inbox x RISE SR Complaints XXXX via XXXX AttachmentsXX/XX/XXXX to me Dear XXXX, Thank you for your recent letter. 

Your application was specifically declined for the following reason ( s ) : 1.  Elevated risk evidence associated with application device. 

We appreciate your interest in RISE, and regret that we were unable to approve your application. 


Thank You, RISE Service Recovery Team XXXX www.risecredit.com XXXX Rise Service Recovery Team is available Monday through Friday, XXXX XXXX to XXXX XXXX EST CONFIDENTIALITY NOTE : Privileged and Confidential. This e-mail, and any attachments thereto, is intended only for use by the addressee ( s ) named herein and may contain privileged and/or confidential information. If you have received this e-mail in error, please notify me immediately by a return e-mail and delete this e-mail. You are hereby notified that any dissemination, distribution or copying of this e-mail and/or any attachments thereto, is strictly prohibited. 

from : RISE Customer Support <XXXX> to : XXXX date : Wed, XX/XX/XXXX at XXXX XXXX subject : RISE   Customer Support [ XXXX ] mailed-by : XXXX signed-by :  XXXX security : Standard encryption ( TLS ) Learn more : Important according to XXXX XXXX . 
RISE Customer Support [ XXXX ] Inbox x RISE Customer Support AttachmentsXXXX XXXX ( 23 minutes ago ) to me Dear XXXX, Thank you for your recent email. 

So you can have more details of the reasons why this decision was for you please send a letter to the address below. Under the Fair Credit Reporting Act, you have the right to make a written request to Customer Support, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 
XXXX XXXX XXXX XXXX, XXXX D/B/A RISE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXs XXXX Please let us know if there is any other information we can provide you at this time. 


Thank You, RISE Customer Support Team XXXX www.risecredit.com XXXX XXXX - FAX Customer Support is available Monday through Friday, XXXX XXXX to XXXX XXXX ET, Saturday and Sunday XXXX XXXX to XXXX XXXX ET CONFIDENTIALITY NOTE : Privileged and Confidential. This e-mail, and any attachments thereto, is intended only for use by the addressee ( s ) named herein and may contain privileged and/or confidential information. If you have received this e-mail in error, please notify me immediately by a return e-mail and delete this e-mail. You are hereby notified that any dissemination, distribution or copying of this e-mail and/or any attachments thereto, is strictly prohibited. 

-- -- -Original Message -- -- - Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : Fwd : RISE : Status of Your Recent Application Attachments area XXXX XXXX <XXXX> XXXX XXXX ( 11 minutes ago ) to RISE I have already done this. All I get is a letter saying re apply after so many days, well time has passed, it will never end unless you all clarify and validate my identity in the system so I can get approved. This is the second time I have been denied for the same reason. Unless you all take action to prevent this from happening i will keep applying and have to keep writing letters to the FCRA over and over again, what I will do is open a big dispute with them in why I am not receiving a resolution from your company clarifying this up. 
~XXXX XXXX XXXX~ ~XXXX BLESS! ~ XXXX Click here to Reply or Forward 1.11 GB ( 7 % ) of 15 GB used Manage Terms - Privacy Last account activity : 40 minutes ago Details This is a copy of the transcript between Rise Credit & myself as I am back in forth with this company trying to figure out why I can not proceed with my loan application. I am constantly getting the red flag that my account and application is associated with fraud activity or i am not who I am, both in which cases is not true I am who i am, and I am not withholding any information on my application that is false or misleading in any kind of way. My application is 100 % legit. I also contacted the company the first time I got declined and all they told me was to write a letter to the FCRA which i just get a letter to reapply. This has happened twice, and Im not getting anywhere.

Company response to consumer: Closed with explanation