Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: ZuntaFi Corp
State: NY

Complaint narrative:
Dear ZuntaFi Compliance Team, I am writing in response to your recent correspondence regarding the above-referenced account. I must again clearly state that I did not sign, authorize, or consent to any loan agreement with ZuntaFi or any affiliated entity. 

While you claim that I electronically signed loan documents and passed XXXX  authentication, I have never completed or approved any such process. The government-issued identification I provided was solely for the purpose of applying for a potential fixed-rate loan, which was never approved or finalized. At no point did I review or sign a promissory note, authorize the disbursement of funds, or agree to any loan terms. 

Your assertion that I acknowledged the debt in prior communications is inaccurate. Any previous correspondence from me was made solely in connection with disputing unauthorized activity and inaccurate disclosures, not as confirmation of acceptance or liability. 

Additionally, I have filed a police report with the Town of XXXX Police Department ( XXXX # XXXX ) regarding this matter. Officer XXXX, who reviewed the documentation and communications related to this account, concurred that ZuntaFi appears to be the perpetrator in this situation. A copy of the police report can be made available upon formal request or to the appropriate investigative authorities. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the E-SIGN Act ( 15 U.S.C. 7001 et seq. ), I am requesting full validation and verification of this alleged account. Please provide the following documentation : XXXX. A complete audit trail of the alleged electronic signature process, including all date and time stamps, IP addresses, device identification, and user authentication data. 
XXXX. The XXXX  authentication record you reference, including all out-of-wallet questions, responses, and corresponding session logs. 
XXXX. Copies of both government-issued IDs you claim were used during origination. 
XXXX. Copies of all loan disclosures, application materials, and internal correspondence logs reflecting any activity attributed to me. 

Until this documentation is provided and independently verified, I continue to dispute the validity of this alleged debt and deny any contractual or financial obligation. I request that this account remain in active dispute status with all consumer reporting agencies and that ZuntaFi cease any collection, reporting, or assignment of this account until the investigation is completed. 

If your investigation confirms that a loan was originated without my authorization, I expect immediate correction of my credit reports, deletion of the tradeline, and written confirmation that the account has been closed with a XXXX balance.

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