Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4626214
Complaint Overview
Complaint ID: 4626214
Company: Blakely-Witt And Associates, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 75067
Date Received: 2021-08-12T12:00:00-05:00
Date Sent to Company: 2021-08-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent a certified letter dated XX/XX/2021 to Blakely-Witt Association, called XX/XX/2021 at XXXX to follow up as I had not received a response or a deletion as they have violated several of my consumer rights. Spoke to a rude rep XXXX, which he ended up hanging up on me, called again, then spoke to another rude rep, XXXX XXXX in which he was of no assistance. The letter stated that they never received any written consent from myself to report this " alleged '' debt to any consumer reporting agencies, especially XXXX XXXX & XXXX and that no consent is identity theft, attached with a copy of the law. He refused to answer my question and said that they have responded to every letter I've sent them but yet asked what the letter said as if it wasn't received. They refuse to speak respectfully and acknowledge that they violated several of my consumer rights. Proper investigation was not completed to verify the said debt pursuant to 15 usc 1681a ( e ). Regardless, 15 usc 6802 states that " an institution may not disclose personal information to a non-affiliated 3rd party without consent '' so unless Blakely Witt can provided consent, they need to delete any alleged debt immediately.
Frequently Asked Questions
What is Complaint #4626214 about?
Complaint #4626214 was filed against Blakely-Witt And Associates, INC. 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 2021-08-12T12:00:00-05:00.
How did Blakely-Witt And Associates, INC. 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Blakely-Witt And Associates, INC.?
Yes, visit the Blakely-Witt And Associates, INC. company profile at readthecomplaint.com/company/blakely-witt-and-associates-inc 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.