Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14383709
Consumer Disputes Unauthorized Credit Inquiries
Complaint Overview
Complaint ID: 14383709
Company: Avant Holding Company, INC.
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: XXXXX
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
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 a consumer's credit score and may indicate potential identity theft or fraudulent activity.
Consumer Sentiment: negative
Topics: Credit reporting, Unauthorized inquiries, FCRA
AI Analysis
CFPB complaint 14383709 was filed against Avant Holding Company, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint regarding unauthorized credit inquiries on their report from Avant Holding Company, Inc. The complaint was received on June 30, 2025 from Georgia. The company responded with "Closed with explanation".
Consumer Narrative
I didnt authorized of this inquiries from XXXX XXXX I did not approve for this inquiry
What You Should Do -- Consumer Action Plan
Consumers should regularly monitor their credit reports for unfamiliar inquiries and dispute any that they did not authorize.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports, including unauthorized inquiries.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and correct any inaccuracies promptly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Georgia.
Industry Comparison
This issue is common across the credit reporting industry, with many consumers experiencing unauthorized inquiries.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383709 about?
CFPB complaint 14383709 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 Avant Holding Company, Inc. on June 30, 2025.
Which company is complaint 14383709 filed against?
Complaint 14383709 was filed against Avant Holding Company, Inc.. You can view all complaints against this company on their profile page at /company/avant-holding-company-inc.
What was the company's response to complaint 14383709?
Avant Holding Company, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383709 filed?
Complaint 14383709 was received by the CFPB on June 30, 2025. It was sent to Avant Holding Company, Inc. on July 9, 2025.
What state was complaint 14383709 filed from?
Complaint 14383709 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 14383709?
Dispute information is not available for complaint 14383709.
What product category is complaint 14383709 about?
Complaint 14383709 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 14383709 submitted?
Complaint 14383709 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 14383709?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports, including unauthorized inquiries. This relates to a Credit reporting or other personal consumer reports complaint against Avant Holding Company, Inc. involving "Improper use of your report".
How likely is complaint 14383709 to be resolved?
Resolution likelihood: mixed. 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 14383709?
This complaint is rated as medium risk. Unauthorized credit inquiries can negatively impact a consumer's credit score and may indicate potential identity theft or fraudulent activity.
What regulatory actions apply to complaint 14383709?
Credit reporting agencies have a responsibility to investigate disputes and correct any inaccuracies promptly. 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 14383709?
Consumers should regularly monitor their credit reports for unfamiliar inquiries and dispute any that they did not authorize.
Are there state-specific protections for complaint 14383709?
The consumer is located in Georgia. This complaint was filed from Georgia.
How does complaint 14383709 compare to industry norms?
This issue is common across the credit reporting industry, with many consumers experiencing unauthorized inquiries.
What steps should a consumer take if they discover unauthorized credit inquiries on their report?
The consumer should immediately dispute the inquiries with the credit reporting agency and the company that made the inquiry. They should also consider placing a fraud alert or credit freeze on their report.
What is the potential impact of unauthorized credit inquiries on a credit score?
Each hard inquiry can slightly lower a credit score. Multiple unauthorized inquiries can have a more significant negative impact, potentially affecting loan approvals and interest rates.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.