Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11917498
Complaint Overview
Complaint ID: 11917498
Company: World Acceptance Corporation
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: Their investigation did not fix an error on your report
State: North Carolina
ZIP Code: 28352
Date Received: 2025-02-03T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filling a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracy in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates The Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Frequently Asked Questions
What is Complaint #11917498 about?
Complaint #11917498 was filed against World Acceptance Corporation 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 2025-02-03T12:00:00-05:00.
How did World Acceptance Corporation 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 World Acceptance Corporation?
Yes, visit the World Acceptance Corporation company profile at readthecomplaint.com/company/world-acceptance-corporation 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.