Payday loan, title loan, personal loan, or advance loan -- Received a loan you didn't apply for -- Complaint #18397118
Complaint Overview
Complaint ID: 18397118
Company: Opportunity Financial, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Payday loan
Issue: Received a loan you didn't apply for
State: Florida
ZIP Code: 33511
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2025-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am submitting this complaint to formally dispute an account currently appearing on my credit report that I do not recognize. I do not recall applying for this account and was unaware of any charges associated with it. Company : OppLoans / XXXX XXXX Account Number : XXXX Credit Bureau Reporting : XXXX This account was opened without my knowledge or authorization and is inaccurate. I did not apply for, authorize, or consent to this account, nor did I receive any benefit from it. Because this account is unauthorized, its reporting violates the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed immediately from my XXXX credit report. This inaccurate reporting is negatively impacting my credit profile, and I respectfully request prompt correction. Thank you for your immediate attention to this matter. I am disputing this account due to inaccurate and unverifiable reporting on my XXXX credit report. OppLoans is reporting a balance of {$2100.00} on an account with an original balance of {$2000.00}, despite reporting the account as never late. No documentation has been provided to explain the added balance, interest, or fees, nor has a signed loan agreement been produced. This constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as the furnisher has failed to demonstrate that the information being reported is accurate, complete, and verifiable. I am requesting that the CFPB investigate this matter and require OppLoans to delete this account from my credit report if they are unable to provide proper legal validation and proof of accuracy.
Frequently Asked Questions
What is Complaint #18397118 about?
Complaint #18397118 was filed against Opportunity Financial, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Received a loan you didn't apply for. It was received by the CFPB on 2025-12-31T12:00:00-05:00.
How did Opportunity Financial, LLC 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 (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Opportunity Financial, LLC?
Yes, visit the Opportunity Financial, LLC company profile at readthecomplaint.com/company/opportunity-financial-llc 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.