Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18956319
Unrecognized Credit Inquiries Raise Concerns with AMERICAN HONDA FINANCE CORP
Complaint Overview
Complaint ID: 18956319
Company: American Honda Finance CORP
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: New York
ZIP Code: 10466
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of unrecognized credit inquiries can negatively impact a consumer's credit score and may indicate potential identity theft or unauthorized credit seeking.
Consumer Sentiment: negative
Topics: Credit reporting, Credit inquiries, Identity theft
AI Analysis
CFPB complaint 18956319 was filed against AMERICAN HONDA FINANCE CORP regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint regarding unrecognized credit inquiries on their report from AMERICAN HONDA FINANCE CORP in New York. The complaint was received on November 30, 2025 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for unfamiliar inquiries and dispute any inaccuracies promptly with the credit bureau and the reporting company.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including the reporting of credit inquiries.
Regulatory Insight
Credit reporting agencies must ensure the accuracy of information on credit reports, and furnishers like AMERICAN HONDA FINANCE CORP must investigate disputes regarding inquiries.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New York, consumers have rights under state and federal law to dispute inaccurate information on their credit reports.
Industry Comparison
This issue is common across the credit reporting industry, with consumers frequently disputing unknown inquiries from various lenders and financial institutions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18956319 about?
CFPB complaint 18956319 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against AMERICAN HONDA FINANCE CORP on November 30, 2025.
Which company is complaint 18956319 filed against?
Complaint 18956319 was filed against AMERICAN HONDA FINANCE CORP. You can view all complaints against this company on their profile page at /company/american-honda-finance-corp.
What was the company's response to complaint 18956319?
AMERICAN HONDA FINANCE CORP responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18956319 filed?
Complaint 18956319 was received by the CFPB on November 30, 2025. It was sent to AMERICAN HONDA FINANCE CORP on January 23, 2026.
What state was complaint 18956319 filed from?
Complaint 18956319 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 18956319?
Dispute information is not available for complaint 18956319.
What product category is complaint 18956319 about?
Complaint 18956319 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18956319 submitted?
Complaint 18956319 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 18956319?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including the reporting of credit inquiries. This relates to a Credit reporting or other personal consumer reports complaint against AMERICAN HONDA FINANCE CORP involving "Improper use of your report".
How likely is complaint 18956319 to be resolved?
Resolution likelihood: mixed. 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 18956319?
This complaint is rated as medium risk. The presence of unrecognized credit inquiries can negatively impact a consumer's credit score and may indicate potential identity theft or unauthorized credit seeking.
What regulatory actions apply to complaint 18956319?
Credit reporting agencies must ensure the accuracy of information on credit reports, and furnishers like AMERICAN HONDA FINANCE CORP must investigate disputes regarding inquiries. 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 18956319?
Consumers should regularly review their credit reports for unfamiliar inquiries and dispute any inaccuracies promptly with the credit bureau and the reporting company.
Are there state-specific protections for complaint 18956319?
In New York, consumers have rights under state and federal law to dispute inaccurate information on their credit reports. This complaint was filed from New York.
How does complaint 18956319 compare to industry norms?
This issue is common across the credit reporting industry, with consumers frequently disputing unknown inquiries from various lenders and financial institutions.
What steps should a consumer take if they discover unrecognized credit inquiries on their report?
The consumer should immediately contact the credit bureau that generated the report to dispute the inquiry and also contact the company that allegedly made the inquiry to understand its origin.
How can unrecognized credit inquiries affect a consumer's credit score?
Each hard inquiry can slightly lower a credit score, and multiple unrecognized inquiries could signal a problem that, if unresolved, might lead to more significant credit score damage.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.