Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12508645
Complaint Overview
Complaint ID: 12508645
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: XXXXX
Date Received: 2025-03-16T12:00:00-05:00
Date Sent to Company: 2025-03-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Consumer Financial Protection Bureau Representative XXXX I am writing to formally file a complaint regarding the following matters : A dispute of inaccurate information on my consumer reports with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. A request for a permanent security freeze and permanent opt-out on my consumer file. Part 1 : Dispute of Inaccurate Information Description : I have identified numerous inaccuracies in my consumer reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ). These errors negatively impact the accuracy and integrity of my credit profile. Additionally, under 12 CFR 1006.34 ( c ), I request validation for the alleged debts associated with these accounts. No clear description or evidence of contractual obligation has been provided for these accounts. Disputed Accounts : Below are details of the disputed accounts that I have identified as inaccurate : XXXXXXXX XXXX XXXX Account XXXX : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXXXXXX XXXX XXXX Account XXXX : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX Bank Account XXXX : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. I am requesting a manual review of my file due to the complexity and volume of the inaccuracies. I have enclosed copies of my credit reports with the incorrect information clearly highlighted. Under 15 U.S.C. 1681i, I am entitled to a transparent and thorough reinvestigation of these disputes.
Frequently Asked Questions
What is Complaint #12508645 about?
Complaint #12508645 was filed against Id Analytics, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-16T12:00:00-05:00.
How did Id Analytics, 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 Id Analytics, INC.?
Yes, visit the Id Analytics, INC. company profile at readthecomplaint.com/company/id-analytics-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.