Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14498160
Complaint Overview
Complaint ID: 14498160
Company: Ccf Intermediate Holdings 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: 77054
Date Received: 2025-07-06T12:00:00-05:00
Date Sent to Company: 2025-07-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Formal Dispute and Request for Removal of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 Dear CCF INTERMEDIATE HOL I am writing to formally dispute XXXX or more unauthorized hard inquiries that have been reported on my credit file. I recently obtained a copy of my credit report and noticed the following hard inquiries which I do not recognize, nor did I authorize : Inquiries in Question : XXXX XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report to a party that has a permissible purpose, and only with the authorization or knowledge of the consumer. I did not authorize these inquiries, and no permissible purpose was granted. Furthermore, 15 U.S.C. 1681b ( f ) clearly states that it is unlawful for any person to obtain a consumer report unless it is for a purpose authorized by the FCRA and the consumer consents. Under 15 U.S. Code 1681i, I am requesting an immediate reinvestigation and deletion of these unauthorized inquiries from my credit report. If you are unable to verify that I gave written permission for each of these hard inquiries, they must be removed immediately. Please provide the following documentation : The name and address of the party that initiated the inquiry ; A copy of the written authorization that bears my signature allowing the inquiry ; The stated permissible purpose under which the inquiry was made. If these inquiries can not be fully verified within XXXX days as required by law, they must be removed in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in my right to pursue remedies under 15 U.S. Code 1681n and 1681o, which provide for actual and statutory damages, as well as attorney 's fees for willful or negligent noncompliance with the FCRA. Please send me written confirmation that this matter has been resolved and that the inquiries have been removed or properly verified. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14498160 about?
Complaint #14498160 was filed against Ccf Intermediate Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-06T12:00:00-05:00.
How did Ccf Intermediate Holdings 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 Ccf Intermediate Holdings LLC?
Yes, visit the Ccf Intermediate Holdings LLC company profile at readthecomplaint.com/company/ccf-intermediate-holdings-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.