Q: Honda Financial attached my SSN to someone else's loan
No details regarding amount, if in state or not and they told me "We don't know if this is really you." After freezing my credit, submitting a report to the FTC, Honda Financial & taking time off of work to file a report with Local Law Enforcement, they still would not provide any info. Honda only said "Be happy the individual is making their payments on time!" This impacted my focus at work & my anxiety / stress levels were through the roof. I constantly reviewed my financial records around the clock, called Honda multiple times for updates but received nothing. 2 weeks ago, I received a letter saying the case was closed and it’s up to me to ensure my credit has not been impacted. Is there any legal action or compensation that Honda can be held responsible for? If the individual decided to miss payments Honda would have come after me. Working for the government this would have affected my employment and resulted in my security clearance being revoked. Thank you for your assistance.
A: I would certainly recommend contacting a consumer protection attorney as soon as possible that will offer a free consultation. It appears that you disputed this information with Honda Finance but I would also recommend disputing the information with the credit bureaus. You'll want to send the FTC Fraud Affidavit and the police report when disputing the information with the credit bureaus. You'll also want to review your credit reports to make sure there aren't any other accounts on there that you don't recognize.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
