Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7533379
Complaint Overview
Complaint ID: 7533379
Company: State Employees Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 28262
Date Received: 2023-09-11T12:00:00-05:00
Date Sent to Company: 2023-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my wet signature nor gave State Employees Credit Union written instruction to report information to the credit bureaus.
Frequently Asked Questions
What is Complaint #7533379 about?
Complaint #7533379 was filed against State Employees Credit Union regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-09-11T12:00:00-05:00.
How did State Employees 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 or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against State Employees Credit Union?
Yes, visit the State Employees Credit Union company profile at readthecomplaint.com/company/state-employees-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.