Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12268489
Consumer Disputes Inaccurate Credit Report Data and Seeks Security Freeze
Complaint Overview
Complaint ID: 12268489
Company: Id Analytics, 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: 30004
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The consumer alleges inaccuracies on their credit report and requests a security freeze, which could lead to disputes and potential regulatory scrutiny if not handled properly.
Consumer Sentiment: neutral
Topics: Credit reporting, FCRA, Dispute of inaccurate information, Security freeze
AI Analysis
CFPB complaint 12268489 was filed against ID Analytics, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer disputes inaccurate information on their credit report and requests a permanent security freeze and opt-out, citing violations of the Fair Credit Reporting Act (FCRA). The complaint was received on February 28, 2025 from Georgia. The company responded with "Closed with explanation".
Consumer Narrative
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address two separate but related matters : A formal dispute of inaccurate information on my consumer reports from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. A request for a permanent security freeze and permanent opt-out on my consumer file. Part 1 : Dispute of Inaccurate Information Upon reviewing my consumer reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). Below are the issues identified : Disputed Account 1 Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : 003 - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX. Disputed Account 2 Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : 003 - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX. I request a manual review of this information, as the inaccuracies require correction. I have attached copies of my reports with the incorrect information clearly marked. Please investigate and remove the inaccurate information from my reports, and notify me in writing of the results of your investigation. Under the FCRA, I am entitled to a thorough and transparent investigation of my dispute. If the investigation is not conducted properly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for inaccuracies and follow the FCRA dispute process, including providing documentation and requesting freezes or opt-outs when necessary.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of consumer credit information, granting consumers rights to dispute errors and control access to their reports.
Regulatory Insight
Reporting companies must conduct thorough investigations of consumer disputes and ensure the accuracy of the information they report, as mandated by the FCRA.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Georgia and was submitted via the web.
Industry Comparison
This complaint is typical of many credit reporting disputes where consumers identify and challenge inaccuracies on their reports.
Similar Complaint Patterns
Consumers frequently report inaccuracies on their credit reports, including accounts they do not recognize or that have incorrect details. Many also seek to place security freezes or opt-outs to prevent further unauthorized access or reporting. Companies' responses to these disputes, including the thoroughness of investigations and adherence to FCRA timelines, are common areas of consumer dissatisfaction.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268489 about?
CFPB complaint 12268489 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against ID Analytics, Inc. on February 28, 2025.
Which company is complaint 12268489 filed against?
Complaint 12268489 was filed against ID Analytics, Inc.. You can view all complaints against this company on their profile page at /company/id-analytics-inc.
What was the company's response to complaint 12268489?
ID Analytics, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12268489 filed?
Complaint 12268489 was received by the CFPB on February 28, 2025. It was sent to ID Analytics, Inc. on March 11, 2025.
What state was complaint 12268489 filed from?
Complaint 12268489 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12268489?
Dispute information is not available for complaint 12268489.
What product category is complaint 12268489 about?
Complaint 12268489 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 12268489 submitted?
Complaint 12268489 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12268489?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of consumer credit information, granting consumers rights to dispute errors and control access to their reports. This relates to a Credit reporting or other personal consumer reports complaint against ID Analytics, Inc. involving "Improper use of your report".
How likely is complaint 12268489 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12268489?
This complaint is rated as medium risk. The consumer alleges inaccuracies on their credit report and requests a security freeze, which could lead to disputes and potential regulatory scrutiny if not handled properly.
What regulatory actions apply to complaint 12268489?
Reporting companies must conduct thorough investigations of consumer disputes and ensure the accuracy of the information they report, as mandated by the FCRA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 12268489?
Consumers should carefully review their credit reports for inaccuracies and follow the FCRA dispute process, including providing documentation and requesting freezes or opt-outs when necessary.
Are there state-specific protections for complaint 12268489?
The complaint originates from Georgia and was submitted via the web. This complaint was filed from Georgia.
How does complaint 12268489 compare to industry norms?
This complaint is typical of many credit reporting disputes where consumers identify and challenge inaccuracies on their reports.
What specific documentation should a consumer provide when disputing inaccurate information on their credit report?
Consumers should provide copies of their credit report with the inaccuracies highlighted, along with any supporting documents that prove the information is incorrect, such as statements or account closure letters.
Under the FCRA, what is the timeframe for a credit reporting agency to investigate a dispute?
Credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if the consumer provides additional relevant information within that initial 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.