Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7646403
Complaint Overview
Complaint ID: 7646403
Company: Creditninja Lending, LLC
Product: Credit reporting 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: Michigan
ZIP Code: 48219
Date Received: 2023-10-04T12:00:00-05:00
Date Sent to Company: 2023-10-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given authorization and/or permission to access my credit profile. Furthermore, you have no permissible purpose by law to contact third parties with my private or personal information. Said violation ( s ) amounts to Aggravated Identity Theft pursuant to Title 18 USC Section 1028A, as you have knowingly transferred, possessed, and/or used, without lawful authority, a means of identifying me, which is a felony punishable by law up to two ( 2 ) years imprisonment, in addition to civil liability. By obtaining my XXXX Consumer Credit Report on XX/XX/XXXXXXXX and XX/XX/XXXX, respectively, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ), codified at Title 15 USC Section 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. Furthermore, I do not have an account, as defined under Title 15 USC Section 1693a ( 2 ) with XXXX of XXXX for review or collection.
Frequently Asked Questions
What is Complaint #7646403 about?
Complaint #7646403 was filed against Creditninja Lending, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-10-04T12:00:00-05:00.
How did Creditninja Lending, LLC 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 Creditninja Lending, LLC?
Yes, visit the Creditninja Lending, LLC company profile at readthecomplaint.com/company/creditninja-lending-llc 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.