Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8180722
Complaint Overview
Complaint ID: 8180722
Company: Chaparral INC
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: 48204
Date Received: 2024-01-18T12:00:00-05:00
Date Sent to Company: 2024-01-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Many occasions, North Coast Financial based out of Ohio continuously are making inquiries on my credit report and I don't even live in the state anymore. it's been almost XXXXyears since Ive moved and this company steadily makes inquiries on my report for the reason : To make sure I get denied for everything I apply to, Intentionally putting incorrect items/amounts on my credit report basically saying I owe them XXXX for a car that's worth- XXXX ... a car that they been had back years ago, This is illegal and they can't say they've been trying to contact me because I blocked them after their threatening phone calls and their Devious ways of going about their business but I never blocked them from email contact which they don't prefer due to recordkeeping, their a shady company I should've never let get ahold to my personal info and they should be dealt with in such a legal manner that this stops now.
Frequently Asked Questions
What is Complaint #8180722 about?
Complaint #8180722 was filed against Chaparral INC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-18T12:00:00-05:00.
How did Chaparral 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 reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Chaparral INC?
Yes, visit the Chaparral INC company profile at readthecomplaint.com/company/chaparral-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.