Consumer complaint received 2025-11-26 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: SLM CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft by my now-XXXX, XXXX XXXX XXXX I am an XXXX and, when we met and married, I trusted him completely and barely spoke XXXX. I did not understand the U.SXXXX credit system and did not know that student loans or other accounts were being opened in my name. 



In XX/XX/XXXX, I first learned from Sallie Mae that there were student loans in my name and that the account was behind in payments. I was told I owed a large amount in student loans, even though I had never been informed of these loans, never signed for them, and never saw any loan documents. This has damaged my credit and caused me a lot of stress and harm. 



On XX/XX/XXXX, during trial in my divorce case, XXXX XXXX admitted in his testimony that he falsified my signature on loan documents, specifically the Sallie Mae student loans, and that he was used to signing my name on documents. In court, he tried to claim that I had given him permission to sign for me. That is absolutely not true. I never gave him permission to sign my name on any Sallie Mae loans, or any other loans, and I was never told that these student loans even existed. 



I did attend XXXX XXXX XXXX XXXX, and I understand that some of the Sallie Mae loan money was used toward that tuition. However, I was never advised that he was taking out loans in my name, I never reviewed or signed the applications or promissory notes, and I never consented to being the borrower. He simply falsified my signature and handled all of the paperwork behind my back. 



XXXX has a long pattern of handling our financial documents, controlling our accounts, and signing my name without my knowledge. His admission at trial confirms everything I have been saying for a long time : these loans were taken out without my knowledge, without my consent, and with forged signatures. I am the innocent XXXX in this situation, and I should not be held responsible for debts that were created through fraud and forgery. 



Sallie Mae and any associated collection agencies continue to report these fraudulent student loans on my credit file and to send me threats of litigation. Their ongoing reporting is lowering my XXXX XXXX and harming my financial future, even though the loans were obtained by fraud and my signature was falsified. 



Because these loans were opened through identity theft and forgery, I am asking that all Sallie Mae accounts and any related negative information created by these fraudulent loans be removed from my credit reports and treated as identity theft. I will not accept being held liable for these fraudulent loans, and I intend to pursue civil action against XXXX XXXX and anyone else responsible for falsifying my signature and using my identity without authorization. 



Everything in this statement is true to the best of my knowledge and belief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation