Credit reporting or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #17953711
Complaint Overview
Complaint ID: 17953711
Company: Credit Concepts, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with fraud alerts or security freezes
State: Washington
ZIP Code: 98105
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX I went to an auto dealership called auto XXXX and they recommended me to a company that would lend me money to purchase a car that car only lasted 8 months before it was broken down on the side of XXXX XXXX. With engine problems. The XXXX and the auto dealership were friends and had previously done business together and unwittingly I was sold a junk car and now XXXX expected to pay for it. On XX/XX/XXXX I took a loan out for {$5800.00} and my last payment was XX/XX/XXXX. When the car broke down, I had it towed by XXXX towing and it stayed in their yard. I paid for the impound and credit concepts picked up the car and took it to an auto and quoted me {$5000.00} for the engine to be fixed. I did not have {$5000.00} so I told him that I didnt have {$5000.00} and I could not do anything with the car or the payment payments On XX/XX/XXXX a separateloan was taken out in my name in the amount of {$4800.00} and the amount was paid off XX/XX/XXXX this loan, was taken out by credit concepts and was not authorized by me. I asked XXXX at credit concepts about showing me the bill of sale for the car and also her version of the credit report that was charged off in my name and she did not want to produce either XXXX of those and at this current moment, they are now assuming me for the loan that was taken out and the initial loan plus interest which is XXXX % interest on a {$4800.00} loan. My total amount is over {$10000.00} and I have no car and no proof of the vehicle, either being sold or totaled.
Frequently Asked Questions
What is Complaint #17953711 about?
Complaint #17953711 was filed against Credit Concepts, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with fraud alerts or security freezes. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
How did Credit Concepts, INC. 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 Credit Concepts, INC.?
Yes, visit the Credit Concepts, INC. company profile at readthecomplaint.com/company/credit-concepts-inc 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.