Consumer complaint received 2025-04-24 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: Velocity Portfolio Group
State: NC

Complaint narrative:
I was getting divorced at the time these were opened, and after. My ex-husband had an affair with our insurance agent, XXXX XXXX. I think that is her last name. She managed my business insurance and his, as well as our home insurance. My husband was not a citizen, and could not open a business or put his name on anything at the time. I moved out of the home. I was stalked, and have documentation of this also. My car got XXXX, my kids threatened, and a few years later my mailbox was set on fire once. I had left a lot of my belongings in the house that I thought was empty so that I could slowly move things as best I could. I came on a few occasions and found the home destroyed and papers everywhere. I was distraught and being that I am a past XXXX XXXX patient, I started having XXXX and other XXXX  issues so I had to move slower. I also had to work and take care of children alone with no familial support at this time, for several years even through the pandemic. XXXX year I received a call from a friend of mine that worked at XXXX XXXX. She showed me a picture of XXXX ( my exes girlfriend ) using a card with my last name on it, and asked if they had gotten married too. I told her no because we were in separation but later found that card had been ordered in my name. I assumed this was an isolated incident from a girl who didnt know any better and then started getting collection calls. I told my husband, and he admitted that at XXXX point he was paying some of the credit cards he used with her and ordered with her for some of their trips, which explains why I didnt know. He asked me back and I also said no. He told me I wouldnt have any proof unless I went back to him and I told him no, I was not interested in staying with him. As far as I know he has been deported and not here anymore. I do not know where she is either, and can not prove any of it on paper unfortunately. BUT, these are not mine. I have excellent current payment history with XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, and more. I have nothing that is behind for several years but all of these are so old that I am not sure they should even be on my credit anymore, and I can not afford to pay them. I take care of my child, my grandmother, and my uncle who is special needs and I am barely making it. I can not even get a home or beter car because these are on my credit and they are NOT mine. The XXXX XXXX card, I had XXXX. When I initially called them to let them know I would not be using my cards, even they wrote off the balances as fraud because I had had these accounts for so long and always paid my entire bill, citing that this is not normal activity or spending activity for my accounts. The lady I spoke with on that day was taking care of all XXXX, but I only have letters for XXXX currently somewhere. My ex used these cards XXXX sure, and paid some to make sure I didnt find out so that he and her would not get in trouble. He didnt even stay with her, he cheated on her with another person. Wasnt worth it in my opinion but I am not sure what to do. It is affecting my ability to get a XXXX  now as well as I am trying to finish school and better my family. I did do a police report recently, in my state they typically won't do one so I had to beg and the guy didn't individualize the accounts, so I will have to try to do another one. 

XXXX spam company, I have never opened anything with, I called several times to ask them what it is about and they repeatedly tell me that to get this information I have to subscribe to their credit repair subscription and give them my card information. 
XXXX I did not open this account. 
XXXX I did not open this account. 
XXXX - XXXX did not open this account. 
XXXX - XXXX did not open this account. 
XXXX - XXXX did not open this account. 
XXXX I did not open this account. 
XXXX XXXXXXXX I did not re-use this accont ; it is at XXXX balance. 
XXXX XXXX I did not re-use this account. 
XXXX I did not open this account. 
XXXX I have NEVER had an account with this. Ever.

Company response to consumer: Closed with explanation