RISE Credit of XXXX XXXX, TX ; fraudulently opened an internet account in my name. I did not apply for, nor did I participate in the proceeds of this fraudulently obtained loan. In seeming violation of Federal CIP standards, RISE Credit did not obtain a picture ID nor the copy of any complete, official ID document before they made the loan. This incomplete investigation has now resulted in the fraudulent loan in my name. The driver 's license number they did obtain was not my license number and they failed to obtain the issue date and the expiration date thereof anyway. For all I know, they may have absconded with these funds themselves and are foisting this loan off on me to cover their financing of XXXX or XXXX. 
RISE Credit did not attempt to contact me in writing, concerning this account before they started their " blind '' robo-calls. The email account RISE Credit stated was given in support of this credit application was not my email address and they failed to validate this information prior to disbursing the funds they claim were given to me. RISE Credit evidently relied solely on personal information freely available to anybody through a XXXX or similar search. I had my husband spend over an hour tonight speaking with RISE Credit on my behalf and am now being forced to take time away from my professional practice to " defend '' myself against a fraudulent account opened in my name because of their shoddy CIP practices and incomplete investigation. 
This situation is causing me great angst and anguish, not to mention lost billing from my professional occupation as I now take time to comply with all their unreasonable demands. RISE Credit seems to exhibit an overly cavalier approach to the federally mandated Customer Identification Protocols. I demanded that they close that loan, remove my good name and insure the credit reporting agencies have removed the disreputable name of RISE Credit from my record lest other legitimate entities find that squalid moniker on my good credit record. They have been placed on official notice that this account was obtained by fraudulent means. 
In support of performing the onerous tasks they demand be undertaken by an innocent fraud victim before they acknowledge the obvious, I have requested they immediately remit copies of all credit application data, credit reports obtained, proof of all identification attempts made, all checking account information where the loan funds were disbursed, and all records of their contact with the real applicant. I also requested they provide and explain the relationship of the agents or proxies used to obtain my credit information without my consent or any proof of permissible use, in direct violation of the Fair Credit Reporting act.