Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14029645
Complaint Overview
Complaint ID: 14029645
Company: College Ave Student Loan Servicing, 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: Washington
ZIP Code: 98908
Date Received: 2025-06-11T12:00:00-05:00
Date Sent to Company: 2025-06-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What happened? On XX/XX/year>, a hard inquiry from College Ave / XXXXXXXX XXXX was added to my credit report. I am formally stating that I did not authorize or initiate this inquiry and have no prior relationship with College Ave or XXXX regarding student loans or any credit-based application. I have never applied for a student loan through this company, nor did I permit any third party to do so on my behalf. This activity is tied to a broader pattern of identity theft, in which someone used my personal information to fraudulently apply for credit in my name without my consent. According to the Fair Credit Reporting Act ( FCRA ) Section 604, any hard inquiry must be made only with the consumers explicit authorization. This inquiry violates that protection. I have filed identity theft reports and complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and am in the process of pursuing further escalation through the Office of the Comptroller of the Currency ( OCC ) if necessary.
Frequently Asked Questions
What is Complaint #14029645 about?
Complaint #14029645 was filed against College Ave Student Loan Servicing, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-11T12:00:00-05:00.
How did College Ave Student Loan Servicing, 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 College Ave Student Loan Servicing, LLC?
Yes, visit the College Ave Student Loan Servicing, LLC company profile at readthecomplaint.com/company/college-ave-student-loan-servicing-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.