Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13828536
Consumer Disputes Unauthorized Credit Inquiry, Cites FCRA
Complaint Overview
Complaint ID: 13828536
Company: Arivo Acceptance, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Georgia
ZIP Code: 30096
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Unauthorized credit inquiries can negatively impact credit scores and may indicate potential identity theft or misuse of personal information, necessitating prompt investigation and resolution.
Consumer Sentiment: negative
Topics: Credit reporting, Unauthorized inquiry, FCRA dispute
AI Analysis
CFPB complaint 13828536 was filed against Arivo Acceptance, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint regarding an unauthorized credit inquiry on their report from Arivo Acceptance, LLC, requesting its removal and an investigation under the Fair Credit Reporting Act. The complaint was received on May 31, 2025 from Georgia. The company responded with "Closed with explanation".
Consumer Narrative
The inquiry was not authorized Date of inquiry : XX/XX/year> Please remove it from my credit report. In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Should the creditor fail to provide verification, I kindly ask that you delete any unverifiable information..
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for unfamiliar inquiries and immediately dispute any that they did not authorize to protect their credit and identity.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate or unverifiable information on their credit reports, including unauthorized inquiries.
Regulatory Insight
Credit reporting agencies must investigate disputes within a reasonable timeframe and, if information cannot be verified, it must be removed from the consumer's report.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Georgia (GA), and the complaint was submitted on May 31, 2025.
Industry Comparison
This complaint is typical of issues consumers face with credit reporting agencies and lenders regarding the accuracy and authorization of credit inquiries.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828536 about?
CFPB complaint 13828536 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against Arivo Acceptance, LLC on May 31, 2025.
Which company is complaint 13828536 filed against?
Complaint 13828536 was filed against Arivo Acceptance, LLC. You can view all complaints against this company on their profile page at /company/arivo-acceptance-llc.
What was the company's response to complaint 13828536?
Arivo Acceptance, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828536 filed?
Complaint 13828536 was received by the CFPB on May 31, 2025. It was sent to Arivo Acceptance, LLC on May 31, 2025.
What state was complaint 13828536 filed from?
Complaint 13828536 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 13828536?
Dispute information is not available for complaint 13828536.
What product category is complaint 13828536 about?
Complaint 13828536 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 13828536 submitted?
Complaint 13828536 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 13828536?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate or unverifiable information on their credit reports, including unauthorized inquiries. This relates to a Credit reporting or other personal consumer reports complaint against Arivo Acceptance, LLC involving "Improper use of your report".
How likely is complaint 13828536 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 13828536?
This complaint is rated as medium risk. Unauthorized credit inquiries can negatively impact credit scores and may indicate potential identity theft or misuse of personal information, necessitating prompt investigation and resolution.
What regulatory actions apply to complaint 13828536?
Credit reporting agencies must investigate disputes within a reasonable timeframe and, if information cannot be verified, it must be removed from the consumer's report. 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 13828536?
Consumers should regularly review their credit reports for unfamiliar inquiries and immediately dispute any that they did not authorize to protect their credit and identity.
Are there state-specific protections for complaint 13828536?
The consumer is located in Georgia (GA), and the complaint was submitted on May 31, 2025. This complaint was filed from Georgia.
How does complaint 13828536 compare to industry norms?
This complaint is typical of issues consumers face with credit reporting agencies and lenders regarding the accuracy and authorization of credit inquiries.
What steps should a consumer take if a credit reporting agency fails to adequately investigate a dispute?
If a credit reporting agency does not properly investigate a dispute or fails to remove unverifiable information, the consumer can file a complaint with the CFPB or consider legal action.
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 dispute, with a possible extension to 45 days if the consumer provides additional information after the initial submission.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.