Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
Hi, This is the REAL XXXX XXXX. Today I received a notice from the CFPB about a response to a complaint that I filed due to oportun hounding me over a fraudulent loan. In said response, Dear XXXX XXXX, We received your complaint from the XXXX XXXX XXXX on XX/XX/XXXX, regarding the credit reporting for a personal loan in your name. We understand this situation 's challenges and genuinely empathize with the frustration it may have caused. After a thorough investigation, we confirmed that loan number XXXX was obtained on XX/XX/XXXX, and was enrolled in the XXXX XXXX XXXX service ( RACH ). Our records confirmed that the payment made on XX/XX/XXXX, was returned on XX/XX/XXXX, due to insufficient funds. Subsequent payments were not made, eventually resulting in the loan becoming delinquent and sold to XXXX XXXX ( XXXX ) on XX/XX/XXXX. Enclosed for your records are copies of your Payment Calendar, Loan Disclosures, and Promissory Note, which you signed electronically before disbursing the loan. Upon signing these documents, you indicated that you agreed with these terms. We are validating this debt by providing you with a copy of these documents. Based on our investigation, we have concluded that we accurately reported the account. As we must furnish accurate information to the credit bureaus, we can not modify or remove the tradeline or delinquencies from your credit reports. Please note that late payments, missed payments, or other defaults on your account may reflect on your credit report. Our records show that we received an Identity theft claim on XX/XX/XXXX, and we have only received an ID theft report. We are waiting for you to send the other required documents, including a request for a police report, often required to support an identity theft claim. We can investigate your claim further once we receive these documents and confirm identity theft. Please note that we can not remove the delinquency or charged-off status until identity theft has been confirmed. This process may take some time, but we assure you that we will handle your claim with the utmost care and urgency. You can mail these documents to the following address : Oportun, Inc. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX At Oportun, we are steadfast in our commitment to enhancing the level of service we provide to our members. Your feedback is of utmost importance to us as it helps us identify areas for improvement and serve you better. If you have further questions, please contact us at XXXX or XXXX. Best regards, XXXX XXXX Customer Experience Sr. Director Oportun. With such poor response and poor internal research by oportun, I will once again furnish evidence that this loan does not, has not, and has never right lawfully belonged to me. I have NEVER ELECTRONICALLY SIGNED ANY PROMISSORY NOTE, PAYMENT CALENDAR OR LOAN DISCLOSURE. Please see the IC3 FBI Federal Police Report. Also, Please see attached FTC report for fraudulent checking accounts opened and abused in my name. The checking account that oportun alleges is mine, and was set up to pay the fraudulent loanfurthermore refuting and outright proving Oportun has done an absolutely piss-poor job at verifying information, as well as helping consumers remedy the effects of identity theft. As per FCRA guidelines, you MUST stop attempting collect a debt that is not mine. If oportun continues this negligent and corrupt business practice i will proceed with legal action. I am awaiting your prompt response. 


ENCLOSURES FTC Identity Theft Report Oportun FTC Identity Theft Report Checking Accounts FBI IC3 Internet Crime Report Drivers License Social Security Number

Company response to consumer: Closed with non-monetary relief