Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12700737
Complaint Overview
Complaint ID: 12700737
Company: Constar Financial Services, LLC
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: Texas
ZIP Code: 77057
Date Received: 2025-03-27T12:00:00-05:00
Date Sent to Company: 2025-05-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I voluntarily surrendered a vehicle XX/XX/XXXX. The car was then sold at an auction. The difference was put on my credit and the account was closed. I was in the process of buying a home when I was notified that XXXX has reported me late on my credit each month from XX/XX/XXXX to present XX/XX/XXXX. I do not have possession of the vehicle and they should not be reporting me monthly late when Im no longer in a monthly payment. This account should be in charge off status.
Frequently Asked Questions
What is Complaint #12700737 about?
Complaint #12700737 was filed against Constar Financial Services, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-27T12:00:00-05:00.
How did Constar Financial Services, LLC 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 Constar Financial Services, LLC?
Yes, visit the Constar Financial Services, LLC company profile at readthecomplaint.com/company/constar-financial-services-llc 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.