Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10590048
Complaint Overview
Complaint ID: 10590048
Company: Carvana Group, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30047
Date Received: 2024-10-26T12:00:00-05:00
Date Sent to Company: 2024-10-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute an unauthorized inquiry into my consumer report made by Carvana LLC on XX/XX/year>. This inquiry is a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Unauthorized Access : According to 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), my consumer report was accessed without my permission or a legitimate purpose. I have not conducted any transactions with Carvana that would justify this inquiry. Improper Purpose Certification : Under 15 U.S.C. 1681b ( f ), any entity obtaining a consumer report must certify the purpose for which it was accessed. There is no evidence that Carvana complied with this requirement. Lack of Consumer Initiation : Pursuant to 15 U.S.C. 1681b ( c ) ( 3 ), inquiries connected to credit or insurance transactions must be initiated by the consumer. Since I did not initiate any such transaction, this inquiry is unjustified. Obtaining Information Under False Pretenses : As per 15 U.S.C. 1681n ( a ) and 1681q, knowingly obtaining consumer information under false pretenses carries serious consequences. This inquiry appears to fall under this category, as it was made without valid grounds. Liability for Willful Noncompliance : Under 15 U.S.C. 1681n ( a ), individuals or entities that intentionally fail to comply with FCRA regulations may be liable for damages. I am entitled to either actual damages incurred or statutory damages up to {$1000.00}. Given the violations outlined above, I request the immediate removal of the unauthorized inquiry from my consumer report : Inquiry Date : XX/XX/year>XXXX Company : Carvana LLC In addition, I seek a settlement of {$1000.00} for the damages incurred as a result of this violation. Please provide payment via check, direct deposit, or XXXX to ensure prompt resolution.
Frequently Asked Questions
What is Complaint #10590048 about?
Complaint #10590048 was filed against Carvana Group, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-10-26T12:00:00-05:00.
How did Carvana Group, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Carvana Group, LLC?
Yes, visit the Carvana Group, LLC company profile at readthecomplaint.com/company/carvana-group-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.