I was sent a denial letter in the mail from OneMain Financial for a loan I supposedly tried to take out for $500. I called to tell them it wasn't me who did this and they refused to believe me. They claim to have declinded your application but continue to find lenders to approve you which they make a profit off of. If you should keep getting letters (I only received one), ignore them, by law they can't do anything without your signatue the cops said. This company already has false allegations against them.