Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13828540
Unauthorized Credit Inquiry Dispute
Complaint Overview
Complaint ID: 13828540
Company: Larry H. Miller Group Of Companies
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: low
The risk is low as the consumer is requesting removal of an unauthorized inquiry, which is a standard consumer right under FCRA.
Consumer Sentiment: negative
Topics: Credit reporting, Credit inquiries, FCRA
AI Analysis
CFPB complaint 13828540 was filed against Larry H. Miller Group of Companies regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer disputes a credit inquiry on their report from Larry H. Miller Group of Companies, 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 dispute them promptly with the credit reporting agency.
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.
Regulatory Insight
Credit bureaus must investigate disputes within a reasonable timeframe, typically 30 days, and remove information that cannot be verified.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, consumers have the right to dispute credit report inaccuracies under federal law.
Industry Comparison
Disputes over unauthorized credit inquiries are common across the credit reporting industry, affecting many consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828540 about?
CFPB complaint 13828540 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 Larry H. Miller Group of Companies on May 31, 2025.
Which company is complaint 13828540 filed against?
Complaint 13828540 was filed against Larry H. Miller Group of Companies. You can view all complaints against this company on their profile page at /company/larry-h-miller-group-of-companies.
What was the company's response to complaint 13828540?
Larry H. Miller Group of Companies responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828540 filed?
Complaint 13828540 was received by the CFPB on May 31, 2025. It was sent to Larry H. Miller Group of Companies on May 31, 2025.
What state was complaint 13828540 filed from?
Complaint 13828540 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 13828540?
Dispute information is not available for complaint 13828540.
What product category is complaint 13828540 about?
Complaint 13828540 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 13828540 submitted?
Complaint 13828540 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 13828540?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate or unverifiable information on their credit reports. This relates to a Credit reporting or other personal consumer reports complaint against Larry H. Miller Group of Companies involving "Improper use of your report".
How likely is complaint 13828540 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 13828540?
This complaint is rated as low risk. The risk is low as the consumer is requesting removal of an unauthorized inquiry, which is a standard consumer right under FCRA.
What regulatory actions apply to complaint 13828540?
Credit bureaus must investigate disputes within a reasonable timeframe, typically 30 days, and remove information that cannot be verified. 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 13828540?
Consumers should regularly review their credit reports for unfamiliar inquiries and dispute them promptly with the credit reporting agency.
Are there state-specific protections for complaint 13828540?
In Georgia, consumers have the right to dispute credit report inaccuracies under federal law. This complaint was filed from Georgia.
How does complaint 13828540 compare to industry norms?
Disputes over unauthorized credit inquiries are common across the credit reporting industry, affecting many consumers.
What steps should a consumer take if a credit inquiry is legitimately from a company they don't recognize?
If the inquiry is legitimate but unfamiliar, the consumer should contact the company directly to understand the reason for the inquiry before disputing it with the credit bureau.
What is the typical timeframe for a credit bureau to investigate a disputed inquiry?
Credit bureaus generally have 30 days to investigate a 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.