On April 10, 2015, I received a cold call a person from Cash Central. Stating that, I had fraudulent activity on my application. I said I didn't file an application because I don't need any loans. They will send me information showing the fraudulent activity. I did give them my P O Box address, no phone number, SSN, or date of birth. I did go to my bank to confirm if they knew anything about Cash Central. Nothing showed at the bank.
I received a mail from them POSTMARKED May 18 2015, 38 DAYS AFTER phone call. In it was a fraudulent activity letter dated April 10 2015, an installment loan agreement dated April 13, 2015, and a loan start date of May 5, 2015, an authorized represensive execution dated April 10, 2015.
I did not authorize, request, or wanted a loan or I did not sign any contract. But an installment loan agreement dated April 13, 2015, was produced. Even when on April 10, 2015, Cash Central went through with the application, which I have never seen or initiated. The loan account was opened. The account should have been placed on a hold status, or have been marked “restricted” until all details have been confirmed.
On March 3, 2016, I checked my Experian FICO Credit Report and found Cash Central, open an account on April 20, 2015, 10 DAYS AFTER phone call and 28 DAYS BEFORE receiving any information about the account without me knowing about it. Also with knowing there was fraudulent activity in question.
The FACT is that the loan account open, I did not receive any loan money, account statements, any late notices, any certified mail, any phone calls, or had anyone knocking on my door. When the did have my correct mailing address since April 10, 2015.
Removing this fraud from my Experian credit score is not easy.