Credit card or prepaid card -- Improper use of your report -- Complaint #5677433
Complaint Overview
Complaint ID: 5677433
Company: Transform Credit INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Maryland
ZIP Code: 20854
Date Received: 2022-06-16T12:00:00-05:00
Date Sent to Company: 2022-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I received an alert from my credit monitoring company, XXXX ( part of XXXX ), that an inquiry had been made on my credit report on XX/XX/2022, from Transform Credit , Inc. ( Transform ). When I subsequently contacted XXXX, I learned that someone had applied for credit from Transform in my name using my personal information. Because I had no knowledge of this application and had not authorized it, XXXX informed me I was a victim of identity theft and put a fraud alert on my credit report. However, when I attempted to alert Transform about the fraud and identity theft, it would not answer the phone and said it would not provide a call back. Instead, Transform texted me back requesting personally identifiable information to find my account. I responded that I do not have an account with Transform, had received a credit alert that it had made an inquiry on my account, and I was not willing to provide my personal information by text. Instead, I informed Transform that if I did not hear back from it, I would file a dispute with XXXX and a complaint with the CFPB. I subsequently emailed and wrote a letter to Transform and still have not heard back.
Frequently Asked Questions
What is Complaint #5677433 about?
Complaint #5677433 was filed against Transform Credit INC. regarding Credit card or prepaid card specifically about Improper use of your report. It was received by the CFPB on 2022-06-16T12:00:00-05:00.
How did Transform Credit 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 card or prepaid card) and describe your issue in detail.
Can I see other complaints against Transform Credit INC.?
Yes, visit the Transform Credit INC. company profile at readthecomplaint.com/company/transform-credit-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.