Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this complaint against Heights Finance ( also known as XXXX XXXX, XXXX XXXX, or XXXX XXXX ) regarding a fraudulent account that has appeared on my credit report. I have no knowledge, involvement, or consent related to any account, loan, or credit line with this company. This is clearly an instance of identity theft or fraudulent reporting, and I am requesting that this account be immediately investigated and removed from my credit file. 

Background and Supporting Information After reviewing consumer reports, lawsuits, and complaints involving Heights Finance, I discovered a troubling pattern of fraudulent and deceptive practices that align with my situation. The Consumer Financial Protection Bureau ( CFPB ) has already taken legal action against Heights Finance for unlawful lending and deceptive loan renewal tactics. Additionally, numerous consumers have reported issues that include : Phishing and identity theft scams Third-party scammers have used stolen personal information, including Social Security numbers , to open fraudulent loans under Heights Finance accounts .

Deceptive loan renewals The CFPB has alleged that Heights Finance engaged in loan-churning schemes that trap consumers in cycles of debt through constant refinancing.

Unauthorized bank withdrawals Consumers have reported that Heights Finance withdrew funds from their accounts without permission.

Problems with loan payoffs Customers stated that Heights Finance failed to properly pay off prior loans, even after refinancing, and refused to provide proof of payment. 
Inaccurate credit reporting The BBB has received complaints that Heights Finance reports false information and fails to properly verify or investigate disputes, violating the Fair Credit Reporting Act ( FCRA ). 

My Personal Situation The account appearing on my credit report under Heights Finance is completely fraudulent. I have never conducted business with them, never applied for a loan, and never authorized any use of my personal information. This fraudulent activity has caused serious damage to my credit and financial standing. I am requesting that the CFPB investigate Heights Finances reporting practices, ensure this account is removed from my credit reports, and take necessary action to prevent further harm to consumers who may be victims of similar fraudulent activity. 
Requested Resolution 1. Immediate removal of the fraudulent Heights Finance account from my credit report.

2. Confirmation from Heights Finance that no debt or account is legitimately tied to my name, Social Security number, or credit file.

3. Regulatory review of Heights Finances consumer reporting and identity-verification procedures. Please notify me in writing when this complaint has been received and processed. I am prepared to provide identification or any additional documentation necessary to verify my identity and assist with the investigation. 

Thank you for your attention to this matter and for protecting consumers from unfair and deceptive financial practices

Company response to consumer: Closed with explanation