Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #7491848
Complaint Overview
Complaint ID: 7491848
Company: Concerto Card Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Didn't receive services that were advertised
State: North Carolina
ZIP Code: 28110
Date Received: 2023-09-02T12:00:00-05:00
Date Sent to Company: 2023-10-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Thank you for your recent PayPal Business Cashback Mastercard credit card application. We regret to inform you that we were unable to approve your application for a PayPal Business Cashback Mastercard credit card account at this time for the following reason ( s ) : Serious delinquency, and public record or collection filed Too few accounts currently paid as agreed Lack of recent installment loan information Our credit decision was based in whole or in part on information obtained from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. I Received this email XX/XX/2023 I XXXX XXXX, Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b and My person is protected by Code 801 15 USC 1692. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Yours faithfully, XXXX XXXX
Frequently Asked Questions
What is Complaint #7491848 about?
Complaint #7491848 was filed against Concerto Card Company regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2023-09-02T12:00:00-05:00.
How did Concerto Card Company 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 or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Concerto Card Company?
Yes, visit the Concerto Card Company company profile at readthecomplaint.com/company/concerto-card-company 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.