Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5200307
Complaint Overview
Complaint ID: 5200307
Company: Truist 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: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 342XX
Date Received: 2022-02-08T12:00:00-05:00
Date Sent to Company: 2022-02-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My complaint is against Suntrust who I believe is now Truist Bank. My complaint is for Suntrust failing to take action to remove an unauthorized credit inquiry on my credit report from Suntrust. On XXXX 2021 I purchased a vehicle from XXXX XXXX. Before making The purchase by without the assistance of XXXX applied and obtained an auto loan using XXXX XXXXXXXX XXXX. While XXXX was processing the paperwork they made a mistake and applied for financing though several banks including Suntrust without my permission. XXXX has sent a certified letter to Suntrust and others explaining this mistake and ask them to contact XXXX to have this hard credit inquiry removed from my credit report. I have also sent a certified letter to Suntrust asking them to contact XXXX to have this inquiry removed because it was not authorized by me and is having a negative affect on my credit report, my loan applications and my acquisition of credit. I have since wrote several letters and made numerous phone calls to Suntrust since these first letters were sent. Suntrust has not responded at all. Each time I call Suntrust Im told the complaint will be forwarded to the Suntrust credit reporting department and Im given a reference number. Every time I call back for an update Im told the previous reference numbers do not bring up a case and I must start the complaint all over again. I have contacted XXXX and Im told I do have the right to have this inquiry removed since it wasnt authorized by me. XXXX also explained to me that ti have this inquiry removed the removal should be requested by the creditor that did the inquiry which is Suntrust. When XXXX made this error applying for loans in my name they applied to several other banks creating many credit inquiries. All of the others with the exception of one have contacted the credit bureaus requesting these inquiries be removed. So far most have been removed with a couple still pending with the credit bureaus. I am requesting Suntrust contacts XXXX Credit Bureau and asks that this credit inquiry be removed from my credit report since it was done in error.
Frequently Asked Questions
What is Complaint #5200307 about?
Complaint #5200307 was filed against Truist 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 2022-02-08T12:00:00-05:00.
How did Truist Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Truist Financial Corporation?
Yes, visit the Truist Financial Corporation company profile at readthecomplaint.com/company/truist-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.