Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4539457
Complaint Overview
Complaint ID: 4539457
Company: Ac Autopay LLC, Denver, Co Branch
Product: Credit reporting, credit repair services, 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: Hawaii
ZIP Code: 96826
Date Received: 2021-07-13T12:00:00-05:00
Date Sent to Company: 2021-07-13T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I submitted a preapproval request to Autopay to review potentially refinancing my current car loan. The application stated that a soft credit check would be performed prior to them sending the information along to their lenders, which I agreed to. I received 3 offers based on the information I gave them, and then decided to wait a few days to think it over before deciding. On XX/XX/XXXX, without my consent, Autopay performed TWO hard credit checks on my profile. I immediately called Autopay to inquire as to why they had performed these, and was told that since they had all the information they needed, they went ahead with the hard credit check and that since I applied through XXXX that was my consent to further process my application. I immediately asked them to close my application, however the credit inquiries remain on my credit report and will negatively affect my score. Attached : 1. Email received from Autopay from my initial pre-approval application on XXXX XXXX. Email I received XX/XX/XXXX after I requested they close my application ( note wording that states that they only perform a soft credit inquiry ). 3. Screenshot from XX/XX/XXXX that shows two hard credit checks from Autopay.
Frequently Asked Questions
What is Complaint #4539457 about?
Complaint #4539457 was filed against Ac Autopay LLC, Denver, Co Branch regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-07-13T12:00:00-05:00.
How did Ac Autopay LLC, Denver, Co Branch respond to this complaint?
The company responded with: "Untimely response". 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ac Autopay LLC, Denver, Co Branch?
Yes, visit the Ac Autopay LLC, Denver, Co Branch company profile at readthecomplaint.com/company/ac-autopay-llc-denver-co-branch 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.