Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of the fraudulent account reported by Republic Finance LLC-XXXX, which appears on my credit file. I am a confirmed victim of identity theft, which occurred following the XXXX XXXX XXXX  data breaches that compromised millions of consumers personal information, including my own. 

I have already filed a Federal Trade Commission ( FTC ) Identity Theft Report, a Consumer Financial Protection Bureau ( CFPB ) complaint, and provided supporting identification documentation. Following my CFPB filingXXXX XXXX conducted an investigation and deleted this same XXXX XXXX account from my credit file, confirming the account is fraudulent. 

Therefore, I am demanding that XXXX XXXX XXXX immediately remove this same account, which was verified as identity theft by another XXXX credit bureau. 



ACCOUNT IN DISPUTE Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXX * * * * * * * Balance Reported : {$3500.00} High Balance : {$1900.00} ( Experian )/ {$1800.00} ( Equifax ) XXXX Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX : Collection/Charge-off Derogatory Account Type : Personal Loan FACTUAL ERRORS IDENTIFIED XXXX. Fraudulent Account Origin : I did not authorize, open, or have any account with XXXX XXXX. This account was fraudulently created using stolen personal information obtained through the Equifax and TransUnion data breaches. 
XXXX. Inconsistent Data Across Bureaus : Date of Last Activity and High Balance differ between bureaus, which violates FCRA 611 ( a ) ( 1 ) ( A ), requiring accuracy and consistency in reported information. 
Equifax deleted this account after my CFPB and FTC identity theft filings, proving the account is fraudulent and unverifiable. 
Experian and TransUnion continue to report this account as Derogatory / Charge-Off despite lacking permissible purpose or verified authorization. 
XXXX. XXXX XXXX of XXXX Account as Active : XXXX a closed charge-off account as still active or open violates FCRA 607 ( b ), requiring the maintenance of maximum possible accuracy in consumer reports. 



LEGAL BASIS FOR DELETION I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( XXXX ) as follows : 1. FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ) Credit information may only be furnished when there is a permissible purpose. This account was created without my consent, meaning no permissible purpose existed.

2. FCRA 605B, 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) Requires that any information related to identity theft be blocked within XXXX ( XXXX ) business days upon receipt of an identity theft report and proof of identity. 
I have already provided my FTC Identity Theft Report, CFPB confirmation, and government-issued ID to verify my claim. 
3. FCRA 611 ( a ) ( 1 ) ( A ) Mandates that credit bureaus must reinvestigate disputed information and delete any unverifiable or inaccurate data within 30 days.

4. FCRA 623 ( a ) ( XXXX ) Prohibits furnishers like XXXX XXXX from continuing to report information they knowor should knowis the result of identity theft. 
XXXX. FCRA 616617 ( Civil Liability ) Provides for monetary damages when a credit bureau willfully or negligently fails to comply with the FCRA. 
XXXX. FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ) Grants my right to demand a Cease and Desist from all collection or communication attempts relating to this fraudulent debt. 
XXXX. FACTA Red Flags Rule ( XXXX CFR XXXX ) Requires credit bureaus and furnishers to act immediately to prevent continued identity theft activity once notified of potential fraud. 



CEASE-AND-DESIST DEMAND Effective immediately, I demand that Experian and TransUnion : XXXX. Cease and desist from reporting, verifying, or sharing any information related to the XXXX XXXX account. 
XXXX. XXXX and permanently delete the fraudulent account from my credit file under FCRA 605B. 
XXXX. Provide written confirmation within 30 days verifying that this account has been removed. 
XXXX. Stop all communication and reinsertion attempts regarding this account unless you possess original, signed, verifiable documentation proving I authorized this account. 

Failure to comply will result in escalation through the CFPB, FTC, and potential civil litigation for violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation