Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8860485
Complaint Overview
Complaint ID: 8860485
Company: Edfinancial Services
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: Florida
ZIP Code: 33803
Date Received: 2024-04-25T12:00:00-05:00
Date Sent to Company: 2024-04-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
i sent XXXX XXXX and ED FINANCIALXXXX a letter on XXXX stating they are reporting and publishing inaccurate or incomplete information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss of opportunity. My data has been comprised in a data breach because you have shared my nonpublic personal information with third-party agencies without my consent violating 15 USC 6801 . Your job was to : ( XXXX ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Since you violated 15 USC 6801 and cause my data to be compromised, I am requesting the following items to be delete from my consumer report from all three CRAs ( XXXX, XXXX, and XXXX ) within 15 days or I will turn this matter over to my attorney to sue for damages : XXXX XXXX XXXX XXXX ( {$290.00} ) XXXX XXXX XXXX XXXX XXXX {$240.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8860485 about?
Complaint #8860485 was filed against Edfinancial Services regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-04-25T12:00:00-05:00.
How did Edfinancial Services respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 Edfinancial Services?
Yes, visit the Edfinancial Services company profile at readthecomplaint.com/company/edfinancial-services 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.