Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint because I am a victim of identity theft involving XXXX XXXX XXXX. Despite multiple police reports, FTC identity theft reports, and successful deletions from the credit bureaus, XXXX continues to reinsert a fraudulent auto loan account on my credit report. This is damaging my credit reputation and preventing me from obtaining business credit for my company. 

I am the owner of a successful business. One of my former employees stole my personal information. This individual conspired with an employee at a XXXX dealership and, without my knowledge or consent, they fraudulently obtained a new vehicle under my name. 

When I discovered the fraud, I immediately took all required legal steps : I filed a police report documenting that my identity was stolen. 

I filed an FTC Identity Theft Report. 

I notified all three credit bureaus and provided them with copies of my police report and FTC affidavit. 

The credit bureaus removed the fraudulent XXXX account twice. 

However, despite providing proof of identity theft, XXXX continues to reinstate the fraudulent account on my credit file. Each time the bureaus delete it, XXXX re-reports it as a valid debt even though I was not the person who signed or authorized the contract. 

Additionally, the same individual who committed the fraud is reportedly continuing to walk into different dealerships trying to obtain additional vehicles using my identity, further increasing the risk of ongoing financial harm. 

I have repeatedly explained to XXXX XXXX XXXX and the credit bureaus that : I did not authorize this purchase. 

My identity was stolen. 

There is a police report and FTC ID theft affidavit confirming the fraud. 

The bureaus have already validated the identity theft and removed the account twice. 

Despite this, XXXX keeps placing the fraudulent account back on my credit report. This behavior is causing ongoing and significant harm, including : Lowering my credit score Damaging my reputation as a business owner Preventing me from obtaining business credit and financing for my company Forcing me to spend time and resources disputing the same fraudulent account repeatedly I am requesting that the CFPB require XXXX XXXX XXXX to : Permanently delete this fraudulent account from all my credit reports. 

Stop reinserting this account in violation of FCRA 611, which prohibits reinsertion without proper certification and consumer notification.

Conduct a full internal investigation into the actions of their employee who participated in the fraud. 

Confirm in writing that they will not attempt to collect, report, or pursue this fraudulent debt again. 

I have complied with all required steps as a documented identity theft victim, and I am asking for CFPB intervention because XXXX XXXX XXXX continues to ignore the legal evidence and continues to damage my credit and business opportunities. 

Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation