Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10892387
Complaint Overview
Complaint ID: 10892387
Company: Splash Financial, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Washington
ZIP Code: 98058
Date Received: 2024-11-21T12:00:00-05:00
Date Sent to Company: 2024-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a personal loan through XXXX XXXX, but my application was denied due to " too many inquiries. '' However, my XXXX credit report, which XXXX states they used, shows no inquiries. The adverse action notice also indicates that information may have been obtained from an affiliate or an outside source other than a consumer reporting agency ( CRA ). I believe Splash Financial has failed to provide full transparency regarding the source of the information used to make their decision, which is required under the Fair Credit Reporting Act ( FCRA ).
Frequently Asked Questions
What is Complaint #10892387 about?
Complaint #10892387 was filed against Splash Financial, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-11-21T12:00:00-05:00.
How did Splash Financial, INC. 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 Splash Financial, INC.?
Yes, visit the Splash Financial, INC. company profile at readthecomplaint.com/company/splash-financial-inc 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.