Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I am submitting this complaint as a new CFPB case because my prior CFPB case, Case Number XXXX, was closed without resolution, even though the underlying issue remains unresolved. This new complaint is being filed in direct response to the companys prior reply and the continued reporting of a fraudulent account, despite my identity theft claim and supporting documentation. 

Background of the Dispute I discovered an account reported by World Acceptance Corporation XXXX XXXX  ( World  ) on my credit report that I do not recognize and did not authorize. I did not open this account, did not apply for a loan, did not receive funds, and did not knowingly enter into any agreement with World. I believe this account is the result of identity theft or unauthorized use of my personal information. 

Upon discovering the account, I promptly disputed it with the credit reporting agencies and took the appropriate steps to protect myself as a consumer and potential victim of identity theft. I also filed an FTC Identity Theft Report, which is the federally recognized method for reporting identity theft and asserting consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Initial Disputes and Prior CFPB Case I filed a CFPB complaint ( Case XXXX ) to dispute the World Acceptance account and request its removal. In that case, I explained that the account was not mine and that I had reported the matter as identity theft. However, the company responded by asserting that the account was valid based on its internal records and declined to remove the account. The CFPB case was subsequently closed, even though the dispute was not resolved and the fraudulent account continued to be reported. 

Because the account remains on my credit report and continues to cause harm, I am now creating this new CFPB case to address the deficiencies in the companys prior response and to explain why the issue remains unresolved. 

XXXX  Requests for Documentation After disputing the account and submitting my identity theft claim, I received written correspondence from XXXX  requesting additional documentation in order to proceed with blocking the disputed information. XXXX  stated that, in order to process my request under FCRA Section 605B, it required proof of identity and proof of my current address. 

XXXX  specifically requested copies of documents to verify my identity ( such as Social Security documentation ) and documents to verify my current address ( such as a utility bill, lease agreement, or similar item ). I complied with XXXX request and gathered the required documents. These requests and my compliance demonstrate that I acted in good faith and followed the proper procedures to support my identity theft claim. 

The fact that XXXX  requested these documents confirms that my dispute was being treated as a potential identity theft matter. This is significant because, under the FCRA, once identity theft is reported and supported by documentation, fraudulent information should be blocked and removed, not continuously reported. 

World Acceptances Response and Ongoing Dispute Despite my disputes and the identity theft claim, World Acceptance responded to the CFPB by stating that it conducted an internal investigation and concluded that the account was not fraudulent. World claimed that certain internal records, such as a credit application, identification used at the time of application, and a signature comparison, matched information associated with me. Based on this internal review, World asserted that there was no basis for account deletion and continued reporting the account. 

Worlds response did not address the core issue : I do not recognize or authorize this account. Identity theft often involves the misuse of personal information and the creation of documents that appear legitimate on their face. The presence of internal documents does not conclusively prove that I knowingly opened or authorized the account. Forged signatures, misused identification, and fraudulent applications are common in identity theft cases. 

Additionally, Worlds response did not meaningfully address the FTC Identity Theft Report or explain why identity-theft protections should not apply. Instead, World relied primarily on its own records and reached a conclusion without resolving the consumers identity theft claim. 

Why the Issue Remains Unresolved This matter remains unresolved for several reasons : The account is still being reported on my credit report despite my disputes and identity theft claim. 

The prior CFPB case was closed ( Case XXXX ) without correcting the inaccurate information. 

XXXX  requested and received additional documentation, indicating the matter required further review, yet the tradeline remains. 

World Acceptance relied solely on internal records and did not adequately address the identity theft claim. 

I continue to deny ownership and authorization of the account, and no resolution has been reached. 

Because the disputed account remains on my credit report, I continue to experience harm, including negative credit reporting, potential credit denials, higher interest rates, and ongoing stress related to correcting inaccurate information. 

Impact on Me as a Consumer The continued reporting of this disputed account has had a negative impact on my financial standing and peace of mind. Inaccurate or fraudulent credit reporting can affect nearly every aspect of a consumers financial life, including the ability to obtain housing, employment, transportation, and affordable credit. Even when a consumer takes all the appropriate stepsfiling disputes, submitting identity theft reports, and providing documentationthe harm continues if companies do not take corrective action. 

I have invested significant time and effort into responding to requests, submitting documentation, and explaining my position, yet the account remains. 

Reason for Creating a New CFPB Case I am creating this new CFPB case because the previous case ( XXXX ) was closed without resolving the dispute. This new case is not duplicative for the sake of repetition ; it is necessary because : The account continues to be reported The companys prior response did not resolve the identity theft claim New developments occurred, including XXXX requests for documentation The harm to my credit profile continues This new complaint is intended to ensure that the issue is fully reviewed and resolved, rather than prematurely closed. 

Summary In summary, I discovered an account reported by World Acceptance that I did not open or authorize. I disputed the account, filed an FTC Identity Theft Report, and complied with XXXX requests for additional documentation to verify my identity and address. Despite these efforts, World Acceptance continues to report the account based on internal records and declined to remove it. My prior CFPB case ( XXXX ) was closed without resolution, prompting me to file this new complaint. 

I am seeking a proper review of my identity theft claim, correction of inaccurate information, and resolution of this matter so that my credit report accurately reflects accounts that truly belong to me.

Company response to consumer: Closed with non-monetary relief