Auto Loan Opened Under Stolen Identity Remains on Credit Report Despite Evidence
Fraudsters open auto loans using stolen personal information and lenders fail to remove fraudulent accounts even after the victim submits identity theft reports, government ID, and a signed affidavit. Lenders claim the provided documentation is insufficient without specifying what evidence would meet their threshold. The victim is left holding a five-figure fraudulent debt with no internal escalation path and no independent verification mechanism.
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