Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15053453
Complaint Overview
Complaint ID: 15053453
Company: Merchants & Medical Adjustment Bureau, INC. DBA Credit Bureau Associates
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: Illinois
ZIP Code: 61832
Date Received: 2025-08-03T12:00:00-05:00
Date Sent to Company: 2025-08-03T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have filed a report which is attached down below regarding inquires that I am unaware of & did not sign off permission to have my credit report ran through these companies. I also do not have any connected open accounts or transactions with tany of the reported inquires. Under the Credit Reporting Law 15USC 1681c2 all inquires should be removed from my credit report within 4 days in failure to verify my authorization in running my credit report.. I have requested for a dispute on all current inquires by all 3 bureaus as it reflects on my account. I want to validate all inquires that are reflecting to belong to me. If the inquires are not and can not be validated I am requesting all inquires be removed immediately. I have also referenced the law in which I expect to be followed in response. Please note verification is not validation. None of the below companies are populating on the next page to report to show as existing at this time. XXXX opened XX/XX/XXXX. XXXX XXXX Via Dealer opened XX/XX/XXXX & XX/XX/XXXX of XXXX & XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX. XXXX XXXX XXXX opened XX/XX/XXXX & XX/XX/XXXX of XXXX
Frequently Asked Questions
What is Complaint #15053453 about?
Complaint #15053453 was filed against Merchants & Medical Adjustment Bureau, INC. DBA Credit Bureau Associates regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-03T12:00:00-05:00.
How did Merchants & Medical Adjustment Bureau, INC. DBA Credit Bureau Associates respond to this complaint?
The company responded with: "Untimely response". The response was not 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 Merchants & Medical Adjustment Bureau, INC. DBA Credit Bureau Associates?
Yes, visit the Merchants & Medical Adjustment Bureau, INC. DBA Credit Bureau Associates company profile at readthecomplaint.com/company/merchants-medical-adjustment-bureau-inc-dba-credit-bureau-associates 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.