Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12323989
Consumer Disputes Name and Credit Inquiries on Credit Report
Complaint Overview
Complaint ID: 12323989
Company: Independent Dealers' Advantage, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Georgia
ZIP Code: 30132
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the consumer is disputing factual inaccuracies on their credit report, which is a common consumer right.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12323989 was filed against Independent Dealers' Advantage, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer is disputing incorrect personal information, specifically their name and several credit inquiries, on their credit report with Independent Dealers' Advantage, LLC. The complaint was received on January 31, 2025 from Georgia. The company responded with "Closed with explanation".
Consumer Narrative
XXXX. My name is XXXX XXXX XXXX and not other names as shown on my credit reports. Please correct name on credit file at once. XXXX was not offered credit nor open an account with XXXX ( Bank ) on XXXX XXXX, please delete Inquiry from my credit profile immediately. XXXX was not offered credit by XXXX ( Bank ) on XX/XX/XXXX, please delete Inquiry from my Credit File immediately. XXXX. I did not open an Account nor obtain credit from XXXX XXXX ( Finance ) on XX/XX/XXXX. Please delete Inquiry from my credit report immediately. XXXX. I did not open an Account nor obtain credit with XXXX ( Finance ) on XX/XX/XXXX, please have Inquiry removed from my credit file immediately. XXXX. I did not open an Account nor obtain credit with XXXX XXXX ( Finance ) on XX/XX/XXXX, please have inquiry removed from my credit file immediately. XXXX I did not open an Account nor obtain credit with XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX, please have inquiry removed from my credit file immediately.
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports.
Regulatory Insight
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days, and correct any inaccuracies found.
Resolution Likelihood
likely
State-Specific Consumer Protections
This complaint was filed in Georgia and pertains to a credit reporting issue.
Industry Comparison
Disputes over incorrect personal information and unauthorized inquiries are common across the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12323989 about?
CFPB complaint 12323989 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Personal information incorrect". This complaint was filed against Independent Dealers' Advantage, LLC on January 31, 2025.
Which company is complaint 12323989 filed against?
Complaint 12323989 was filed against Independent Dealers' Advantage, LLC. You can view all complaints against this company on their profile page at /company/independent-dealers-advantage-llc.
What was the company's response to complaint 12323989?
Independent Dealers' Advantage, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12323989 filed?
Complaint 12323989 was received by the CFPB on January 31, 2025. It was sent to Independent Dealers' Advantage, LLC on March 5, 2025.
What state was complaint 12323989 filed from?
Complaint 12323989 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12323989?
Dispute information is not available for complaint 12323989.
What product category is complaint 12323989 about?
Complaint 12323989 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 12323989 submitted?
Complaint 12323989 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 12323989?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports. This relates to a Credit reporting or other personal consumer reports complaint against Independent Dealers' Advantage, LLC involving "Incorrect information on your report".
How likely is complaint 12323989 to be resolved?
Resolution likelihood: likely. 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 12323989?
This complaint is rated as low risk. The risk is low as the consumer is disputing factual inaccuracies on their credit report, which is a common consumer right.
What regulatory actions apply to complaint 12323989?
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days, and correct any inaccuracies found. 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 12323989?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 12323989?
This complaint was filed in Georgia and pertains to a credit reporting issue. This complaint was filed from Georgia.
How does complaint 12323989 compare to industry norms?
Disputes over incorrect personal information and unauthorized inquiries are common across the credit reporting industry.
What steps should a consumer take if they suspect their identity has been compromised leading to fraudulent inquiries?
If identity theft is suspected, consumers should file a police report, place a fraud alert on their credit reports, and consider a credit freeze.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a consumer's dispute, with a possible extension to 45 days if additional information is provided by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.