Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: PA

Complaint narrative:
THERE ARE TWO SEPARATE ISSUES THAT I AM DEALING WITH. 


ONE  MY HARD INQUIRIES. 

I HAVE APPLIED FOR A CAR LOAN AND I ADVISED OF A SPECIFIC LENDER ONLY TO FINANCE THROUGH!! MY CREDIT WAS SHOGUNNED EVEN WHEN I HAD PLEADED TO ONLY RUN THROUGH XXXX XXXX XXXX, IF YOU REVIEW MY AUTO LOANS BACK 5 YEARS I HAVE ONLY WORKED WITH XXXX XXXX AS MY LENDER. THEY DID NOT HAVE MY AUTHORIZATION  FOR THE FOLLOWING INQUIRIES. 

HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THESE TWO  PARTICULAR HARD  INQUIRIES ARE ACCURATE HOWEVER IS A RESULT IN A PURCHASE SO IM ASKING FOR THIS TO BE REMOVED: XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX

THESE TWO PARTICULAR INQUIRIES I DID NOT MAKE AS MY XXXX  ACCOUNT WAS HACKED AT THIS TIME AND I HAVE FILED A DISPUTE AND ASKED FOR THEM TO SEND ME PROOF OF THE CREDIT INQUIRY REQUESTED BY ME. THEY REFUSED TO SEND 



XXXX XXXX XXXX XXXX XXXX

THIS ACCOUNT IS UNKNOWN TO ME I HAVE REQUESTED PROOF WITH NO AVAIL. 
XXXX XXXX XXXX

TWO: COLLECTION ACCOUNTS, CHARGE OFF ACCOUNT 

I HAVE SUBMITTED NUMEROUS TIMES TO THE CREDIT BUREAUS AND TO THE LENDERS A POLICE REPORT PROVING MY IDENTITY THEFT AND THE POSSESION OF THE CARDS ASSOCIATED WITH THE ACCOUNTS IN QUESTION ARE LISTED ON THE POLICE REPORT I HAVE SINCE PAID SOME OF THE DEBT THAT DID NOT BELONG TO ME AND WANT A FORMAL COMPLAINT FILED. 

XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX BALANCE DATE OPENED 1XXXX XXXX XXXX PAID DEBT EVEN THOUGH IT WAS A FRAUD ACCOUNT AND IT IS STILL BEING REPORTED DATE OPENED XXXX XXXX XXXX  PAID DEBT EVEN THOUGH IT WAS A FRAUD  CHARGES  ON ACCURATE ACCOUNT AND IT IS STILL BEING REPORTED DATE OPENED XXXX

CONNS ACCOUNT  AMOUNT XXXX OPENED XXXX. I PROVIDED A POLICE REPORT PROVING THAT THIS WAS NOT MY ACCOUNT. WHEN I ASKED FOR DOCUMENTATION THE ACCOUNT WAS OPENED IN A COMPLETELY DIFFERENT LAST NAME THEN MY NAME. THEY HAVE REFUSED TO REMOVE FROM MY CREDIT FILE 

XXXX  BAL XXXX DATE OPENED XXXX. I PROVIDED A POLICE REPORT PROVING THAT THIS WAS NOT MY ACCOUNT.  THEY HAVE REFUSED TO SEND DOCUMENTATION AS REQUESTED WITH A CONTRACT BEARING MY SIGNATURE  THEY HAVE REFUSED REMOVE FROM MY CREDIT FILE I HAVE A ACTIVE XXXX  ACCOUNT SEPARATE THEN THIS THAT IS PAID IN FULL AND NEVER EVEN LATE. XXXX XXXX XXXX XXXX BALANCE DATE OPENED XXXX THEY HAVE REFUSED TO SEND DOCUMENTATION AS REQUESTED WITH A CONTRACT BEARING MY SIGNATURE  THEY HAVE REFUSED REMOVE FROM MY CREDIT FILE

IN ADDITION TO THE ERRORS LISTED ABOVE I BELIEVE NAMES AND ADDRESSES THAT ARE INCORRECT ON MY CREDIT FILE ARE A DIRECT RESULT OF THIS. I HAVE ALSO DISPUTED THESE DIRECTLY WITH THE CREDIT BUREUAS. I DO NOT HAVE ANY ALIAS' 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation