Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
Dear CFPB, I am filing a formal complaint concerning fraudulent activities and potential violations of consumer protection laws following my inclusion in the XXXX data breach. These events have caused significant harm to my credit profile and financial well-being. 
Issues Identified : 1. Unauthorized Accounts : I have identified multiple accounts opened in my name, which I did not authorize. These include accounts with : * Continental Finance * XXXX XXXX XXXX XXXX XXXX  XXXX * XXXX * XXXX XXXX XXXX  XXXX XXXX XXXX 2. For instance, XXXX XXXX reflects a negative balance for a credit card account I never opened. Despite their prior legal issues and settlement, I have received no restitution or communication from them. 
3. Unverified and Predatory Balances : These accounts show balances and interest charges that are unclear in origin. I have no knowledge of incurring these debts, and the lack of transparency raises concerns about predatory practices. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX 4. Unauthorized Address Listings : My credit report lists addresses I have never resided at or provided. This misuse of my personal information further indicates data-sharing or mishandling across organizations. 
5. Violation of My Rights Under the UCC : Per UCC 2-601, as a consumer, I have the right to reject non-conforming goods or services. These accounts and charges fail to conform to any legitimate agreement between myself and these companies. I request that these companies provide wet-ink signed contracts or equivalent proof of my authorization for these accounts. 
Requested Actions : 1. Conduct a full audit of these companies and their records related to my accounts, including : * Validation of balances and interest charges. 
* Examination of how my personal information was obtained and shared. 
* Verification of contracts or agreements purportedly authorized by me. 
2. If these companies can not provide adequate proof of authorization : * Remove all negative entries related to these accounts from my credit reports immediately. 
* Restore my credit profile to its original, accurate state. 
3. Investigate potential violations of consumer protection laws, including : * Unlawful use of personal data obtained through the XXXX breach. 
* Predatory practices exploiting compromised information. 
4. Ensure full compliance with credit reporting standards and notify me of the investigation 's outcomes. 
Conclusion : The actions of these companies and their failure to protect my information or provide transparency have caused undue financial and emotional distress. I urge the CFPB to take swift action to hold them accountable, ensure compliance, and protect consumers like myself from further harm. 
Thank you for your attention to this matter. I look forward to your response and a resolution to these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation