Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8366428
Complaint Overview
Complaint ID: 8366428
Company: Finco Services INC DBA Current
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Georgia
ZIP Code: 30188
Date Received: 2024-02-17T12:00:00-05:00
Date Sent to Company: 2024-02-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
The company named Current fraudulantly opened a credit card in my name on or about XX/XX/XXXX without checking the credit bureau and I was notified by my identity monitoring service named XXXX XXXX on XX/XX/XXXX by email where I immediately utilized XXXX XXXX to contact the company named Current to close that fraudulent account. I also notified the XXXX Police Department and FTC about the theft. The company named Current responded that they did not need to check the credit bureau before opening that fraudulent credit card account. The problem with that is that I have a security alert and credit freeze on all my credit bureau accounts. The fraudulent account is located on XXXX. The company named Current spoke with XXXX XXXX and me and confirmed that they would close the account. They also emailed that they would close the account and that they did not have to contact the credit bureau to open a credit card account in my name. If they did check my credit reports they would see the security alert to contact my cell and not issue any credit card. That did not happen and this fraud was executed against my identity wrongfully. I contacted the XXXX and disputed it. It was appalling to see that XXXX wrongfully said that the fraudulent information on my credit report as reported by Current was accurate. I complained to XXXX on Live Chat and they said to re-dispute. What Current did in opening a credit card in my name without checking the credit bureau was criminal and I did report it to the XXXX Police and the FTC. Current said they were not required to check my credit report. THE PROBLEM WITH THIS IS THAT I HAVE A CREDIT FREEZE ON ALL THREE BUREAUS and XXXX has not honored my credit freeze and security alert. THIS WAS WRONG FOR XXXX TO STATE SOMETHING ILLEGALLY OBTAINED BY THE COMPANY NAMED " Current '' t AGAINST MY NAME WAS ACCURATE. It was never accurate. It was theft of my identity to fraudulently open a credit card by unknown persons. They are wrongfully approving as accurate an account initiated in Fraud by Current without my approval. I am an identity theft victim and still have the 7-year credit freeze before this. It is active. XXXX knew better but decided to do wrong also. Please correct this
Frequently Asked Questions
What is Complaint #8366428 about?
Complaint #8366428 was filed against Finco Services INC DBA Current regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-17T12:00:00-05:00.
How did Finco Services INC DBA Current respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Finco Services INC DBA Current?
Yes, visit the Finco Services INC DBA Current company profile at readthecomplaint.com/company/finco-services-inc-dba-current 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.