Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18750457
Complaint Overview
Complaint ID: 18750457
Company: Ccf Intermediate Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 94565
Date Received: 2025-11-06T12:00:00-05:00
Date Sent to Company: 2026-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute and Request for Deletion Under 15 U.S.C. 1635 and 15 U.S.C. 1681i Dear Credit Bureau Representative, I am formally disputing the accuracy and validity of the following account being reported on my credit file : Creditor / Collection Agency : National Credit Adjust Original Creditor : Cash One Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$310.00} Status : Collection Account, past due as of XX/XX/XXXX This account is being reported inaccurately and in violation of my rights under 15 U.S.C. 1635 ( Truth in Lending Act, Right of Rescission ). I exercised my right to rescind the underlying credit transaction because the lender failed to provide the required Truth in Lending disclosures and notice of my right to cancel. Once rescinded, the credit agreement and any associated obligations are null and void, and therefore no valid debt should exist or be reported to any consumer reporting agency. Despite this, the account remains on my credit report and continues to negatively affect my credit standing. This constitutes inaccurate reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure maximum possible accuracy and to promptly investigate disputed information. I am requesting that this account be deleted entirely from my credit report. Please conduct a full investigation and verify this information directly with the furnisher. If verification can not be substantiated with documentation proving that the underlying debt is valid and not rescinded, you are required by law to remove it. Please provide written confirmation of your investigation results and any changes made to my file within 30 days, as required under federal law. Attached are the following for your reference : A copy of my identification ( drivers license ) Proof of current address ( utility bill ) Documentation relating to my rescission notice and correspondence with the creditor Failure to comply with federal requirements will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General. Thank you for your prompt attention to this matter. I expect to receive written confirmation of your findings within the time allowed by law.
Frequently Asked Questions
What is Complaint #18750457 about?
Complaint #18750457 was filed against Ccf Intermediate Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-06T12:00:00-05:00.
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.