Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11248661
Complaint Overview
Complaint ID: 11248661
Company: Transform Credit INC.
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: 30058
Date Received: 2024-12-22T12:00:00-05:00
Date Sent to Company: 2024-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The company Transform credit is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX They are reporting it for 3 years when it is supposedly only to be reported for 2 years. Transform credit is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Frequently Asked Questions
What is Complaint #11248661 about?
Complaint #11248661 was filed against Transform Credit INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-12-22T12:00:00-05:00.
How did Transform Credit 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 Transform Credit INC.?
Yes, visit the Transform Credit INC. company profile at readthecomplaint.com/company/transform-credit-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.