Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4745716
Complaint Overview
Complaint ID: 4745716
Company: Cng Financial Corporation
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: South Carolina
ZIP Code: 290XX
Date Received: 2021-09-22T12:00:00-05:00
Date Sent to Company: 2021-09-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have multiple debt reporting sue to seemingly selling this account but still reporting on my consumers report which is a violation of 15US 1692h. I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.
Frequently Asked Questions
What is Complaint #4745716 about?
Complaint #4745716 was filed against Cng Financial Corporation 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 2021-09-22T12:00:00-05:00.
How did Cng Financial Corporation 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 Cng Financial Corporation?
Yes, visit the Cng Financial Corporation company profile at readthecomplaint.com/company/cng-financial-corporation 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.