Somebody filed a loan under her name at Farmington, Missouri. Two months after the incident, her police report allegedly went nowhere
Nobody was giving her the answers she was looking for.
Desirae Kelly (@desiraekelly), who believes she is a victim of identity theft, filed a police report with the Farmington, Missouri, police department. After a few months, she said her report hadn’t moved forward.
“I’m so f****** pissed, I’m literally shaking,” Kelly told TikTok. On July 30 of this year, Kelly claimed she received an email saying a hard inquiry had been added to her credit. She didn’t apply for a loan or financial product and was alerted by the notification. Kelly said that it came from Security Finance in Farmington, Missouri.
“Great, now my identity has been stolen,” Kelly commented. She decided to call the firm after the alert. An employee said someone had tried to apply for a loan by phone in Kelly’s name. Kelly immediately told the employee she hadn’t applied for the loan. In response, the employee said they flagged the report and would tell her manager. Identity theft can put people in jail, as one woman threatened her mother for trying to put a bill in her name without consent.
But before anyone could go to jail, Kelly froze all her credit bureaus. This was to prevent the perp from using her identity. Then, Kelly said she drove to the Farmington, Missouri, police department to file a police report with an officer. Kelly alleged that even the police officer found her report concerning because someone had obtained her Social Security number. The police allegedly reassured her, telling her they would take the report “seriously” and contact her the next week.
Frustrated with the police department
“I heard from no one for 30 days before I finally decided to reach out,” she alleged. Kelly called Security Finance for an update, then emailed the police department. She alleged that she heard no update for two weeks from either Security Finance or the police department.
Beyond the late replies, Kelly alleged that the police officer who took her report also failed to send her a copy. She had to call the police department and claimed it took them two and a half weeks to send a copy back.
Two months after the incident, Kelly called the Security Finance employee for the third time. Kelly raged, “What the f*** do you need for me to delete the inquiry for my credit report?”
Kelly said she couldn’t delete the inquiry and had tried to do so through Credit Karma and TransUnion. However, she had no luck. Worse, Kelly said that by the end of September 2026, she was told that the police department report had no updates or movement. Although the case is still open, she alleged that nothing has happened. Not all cops have a sense of urgency. In another woman’s case, her police officer got nosy at her workplace instead of taking her report about a stolen license plate seriously.
Out of options
“I decide to type up a letter and a copy of the police report and send it certified mail to Security Finance,” Kelly said. She wanted to leave a paper trail showing she had been corresponding with both parties. However, Kelly alleged that Security Finance failed to receive the mail and returned it to her. With no other options, Kelly emailed the Farmington Police Department, telling them to “do better” after they allegedly ignored her report.
“I am a member of the community that experienced identity fraud, and I did exactly what I was supposed to do, and all I’m asking for is a response from you with an update, even if the update isn’t favorable,” Kelly wrote. When she posted her TikTok, she allegedly still hadn’t received a response from the Farmington Police Department.
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