Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15156221
Complaint Overview
Complaint ID: 15156221
Company: World Acceptance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33805
Date Received: 2025-08-07T12:00:00-05:00
Date Sent to Company: 2025-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX on XXXX. I have been a victim of identity theft and for over 6 months have been working diligently to resolve this issue and protect my persons informations. I have had fraudulent accounts reported to my XXXX consumer report in which derogatory remarks have negatively affected my credit worthiness for over XXXX years. These fraudulent accounts show no payments ever made to the accounts which means the thief who stole my identity and used my personal information without my authorization never made a single payment towards the lines of credit they received in my name. This does not accurately depict who I am as a person nor my credit worthiness if I owe a debt i would pay it nor would I put my myself in debt that I could not handle. My credit worthiness has been damaged and these accounts are not equitable to I the living man XXXX XXXX nor my person XXXX XXXX XXXX XXXX. I have been trying to resolve this issue for over XXXX months, and despite numerous attempts to resolve the issue, fraudulent accounts and unauthorized credit inquiries continue to appear on my consumer report. These inaccuracies have severely damaged my creditworthiness and caused me ongoing harm. For over XXXX months, I have taken consistent action to dispute fraudulent activity that has been reported on my consumer file. Despite my diligence, fraudulent accounts and inquiries remain on my report, which I have clearly identified as resulting from identity theft. The most egregious example is the presence of a fraudulent tradeline from WORLD FINANCE CORPORATION. This fraudulent account was opened on XX/XX/year> with a balance of XXXX XXXX I have never applied for or received credit from WORLD FINANCE CORPORATION on XX/XX/year> and this account was opened without my knowledge or consent. The account shows little payment history and multiple XXXX, XXXX and XXXX day late payments, which further supports my claim that a criminal opened this account using my stolen personal information. Legal Grounds : Under the FCRA ( XXXX XXXX Code XXXX ) and XXXX XXXX XXXX, consumers have the right to block information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the receipt by such agency of : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. I have already provided all XXXX items, including my FTC Identity Theft Report, a copy of my ID, a list of the fraudulent items, and a signed written statement. WORLD FINANCE CORPORATION has no legal basis to continue reporting this inaccurate and harmful information. If WORLD FINANCE CORPORATION, and TRANSUNION does not take corrective action and resolve this matter fully and in compliance with the FCRA, I will pursue legal remedies, including : A federal lawsuit for FCRA violations A state lawsuit for civil non-compliance and damages Claims for emotional distress, financial harm, and pain and suffering as a result of this ongoing negligence This issue must be addressed with the urgency it deserves. I appreciate the CFPBs involvement and protection of consumers like myself. Thank you for your attention and swift action in this matter.
Frequently Asked Questions
What is Complaint #15156221 about?
Complaint #15156221 was filed against World Acceptance Corporation regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-07T12:00:00-05:00.
How did World Acceptance Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against World Acceptance Corporation?
Yes, visit the World Acceptance Corporation company profile at readthecomplaint.com/company/world-acceptance-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.