Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18098584
Complaint Overview
Complaint ID: 18098584
Company: Betternoi, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Michigan
ZIP Code: 496XX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> This letter contains data taken directly from my credit report : Hard inquiry # XXXX : Screening Reports INC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hard inquiry # XXXX : XXXX Card Address : XXXX XXXX XXXX XXXX, DE XXXX I am writing to dispute XXXX hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file, and I did not apply for credit with them. Because these inquiries were not initiated or approved by me, they are inaccurate and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ). I request that your agency investigate these inquiries, provide the method of verification, and remove them from my credit report if the companies can not provide documented proof of my authorization. Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 611 of Fair Credit Reporting Act. Once you have fulfilled my request, mail/email an updated credit report reflecting these changes.
Frequently Asked Questions
What is Complaint #18098584 about?
Complaint #18098584 was filed against Betternoi, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Betternoi, LLC respond to this complaint?
The company responded with: "Closed with explanation". 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 Betternoi, LLC?
Yes, visit the Betternoi, LLC company profile at readthecomplaint.com/company/betternoi-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.