Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6181377
Complaint Overview
Complaint ID: 6181377
Company: Alliant Credit Union
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: Illinois
ZIP Code: 60409
Date Received: 2022-11-08T12:00:00-05:00
Date Sent to Company: 2022-11-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
my credit report has been reporting multiple inquiries that I have not authorized nor have knowledge. In XX/XX/2021, I purchased a vehicle form a dealership, but I already had a pre Approval from my credit union " Illinois XXXX XXXX XXXX. While giving my information to the dealership I noticed my credit was ran multiple times for potential lenders that I did not authorize and it is still negatively affecting my credit report to this day. To remedy this situation, I contacted XXXX and notified that these inquiries were not authorized and should be removed due to the negative affect on my personal credit score and report, for potential lending.
Frequently Asked Questions
What is Complaint #6181377 about?
Complaint #6181377 was filed against Alliant Credit Union 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 2022-11-08T12:00:00-05:00.
How did Alliant Credit Union 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 Alliant Credit Union?
Yes, visit the Alliant Credit Union company profile at readthecomplaint.com/company/alliant-credit-union 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.