Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4857307
Complaint Overview
Complaint ID: 4857307
Company: Fidelity Capital Holdings, 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: California
ZIP Code: 91202
Date Received: 2021-10-29T12:00:00-05:00
Date Sent to Company: 2021-10-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Fidelity Creditor Services took over a bill I originally had from XXXX XXXX XXXX XXXX, and the collection was opened on XX/XX/XXXX. Without my consent, authorization or approval, Fidelity Creditor Services then accessed and obtained my credit file on XX/XX/XXXX, putting a hard inquiry onto my credit report. From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' From the FCRA 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. According to FCRA statute, they would need to have written authorization from me to review my credit, which they do not and did not.
Frequently Asked Questions
What is Complaint #4857307 about?
Complaint #4857307 was filed against Fidelity Capital Holdings, 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 2021-10-29T12:00:00-05:00.
How did Fidelity Capital Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". 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 Fidelity Capital Holdings, INC?
Yes, visit the Fidelity Capital Holdings, INC company profile at readthecomplaint.com/company/fidelity-capital-holdings-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.