Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18055029
Consumer Alleges Improper Use of Personal Report by American Coradius International
Complaint Overview
Complaint ID: 18055029
Company: American Coradius International LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Illinois
ZIP Code: 611XX
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: low
The risk is low as the complaint was closed with an explanation, suggesting a resolution or clarification was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Personal consumer reports, Improper use of report
AI Analysis
CFPB complaint 18055029 was filed against American Coradius International LLC regarding Credit reporting or other personal consumer reports (Other personal consumer report), specifically about "Improper use of your report". A consumer filed a complaint regarding the improper use of their personal consumer report by American Coradius International LLC, which was closed with an explanation. The complaint was received on November 30, 2025 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review any explanations provided by companies regarding the use of their personal reports to ensure understanding and satisfaction.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the permissible uses of consumer reports and requires reporting companies to adhere to these regulations.
Regulatory Insight
This case highlights the importance of reporting companies clearly communicating the reasons for accessing and using a consumer's report to avoid disputes.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Illinois, and the resolution was provided by the company.
Industry Comparison
Improper use of reports is a common concern across the credit reporting industry, often leading to consumer complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18055029 about?
CFPB complaint 18055029 involves Credit reporting or other personal consumer reports (Other personal consumer report). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against American Coradius International LLC on November 30, 2025.
Which company is complaint 18055029 filed against?
Complaint 18055029 was filed against American Coradius International LLC. You can view all complaints against this company on their profile page at /company/american-coradius-international-llc.
What was the company's response to complaint 18055029?
American Coradius International LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18055029 filed?
Complaint 18055029 was received by the CFPB on November 30, 2025. It was sent to American Coradius International LLC on November 30, 2025.
What state was complaint 18055029 filed from?
Complaint 18055029 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 18055029?
Dispute information is not available for complaint 18055029.
What product category is complaint 18055029 about?
Complaint 18055029 is categorized under "Credit reporting or other personal consumer reports", specifically "Other personal consumer report". This is one of the product categories tracked by the CFPB.
How was complaint 18055029 submitted?
Complaint 18055029 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 18055029?
The Fair Credit Reporting Act (FCRA) governs the permissible uses of consumer reports and requires reporting companies to adhere to these regulations. This relates to a Credit reporting or other personal consumer reports complaint against American Coradius International LLC involving "Improper use of your report".
How likely is complaint 18055029 to be resolved?
Resolution likelihood: unlikely. 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 18055029?
This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting a resolution or clarification was provided.
What regulatory actions apply to complaint 18055029?
This case highlights the importance of reporting companies clearly communicating the reasons for accessing and using a consumer's report to avoid disputes. 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 18055029?
Consumers should carefully review any explanations provided by companies regarding the use of their personal reports to ensure understanding and satisfaction.
Are there state-specific protections for complaint 18055029?
The complaint originated in Illinois, and the resolution was provided by the company. This complaint was filed from Illinois.
How does complaint 18055029 compare to industry norms?
Improper use of reports is a common concern across the credit reporting industry, often leading to consumer complaints.
What specific 'explanation' was provided by American Coradius International LLC for the alleged improper use of the consumer's report?
The provided data does not specify the exact explanation. Typically, such explanations would detail the permissible purpose for which the report was accessed or used, or address any alleged misuse.
Does 'Closed with explanation' imply the consumer's issue was resolved to their satisfaction?
Not necessarily. 'Closed with explanation' usually means the company provided a response or clarification. The consumer's satisfaction is not guaranteed by this status alone.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.