Consumer complaint received 2023-08-10
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Formal Complaint Regarding Unauthorized Hard Pulls on My Credit Report I hope this letter finds you well. I am writing to express my deep concern and frustration regarding a persistent issue that has severely impacted my financial well-being. Despite numerous attempts to address this matter, I find myself compelled to escalate the situation in hopes of obtaining a resolution. 

Over the past year, I have noticed a significant number of unauthorized hard pulls on my credit report, the majority of which have been initiated by Avant, as is evident from the records on my credit report. These unauthorized inquiries have amounted to more than 20 hard pulls within a span of less than one year. I have promptly taken action by reporting this issue to all three major credit bureaus, but the response I received from them was disheartening. 

When I contacted the credit bureaus to rectify this situation, I was advised to contact Avant directly to address the unauthorized hard pulls on my credit report. Despite my sincere efforts to communicate my concerns to Avant, I have yet to witness any meaningful action being taken to rectify this situation. The lack of response and accountability on the part of Avant is not only distressing but also highlights a blatant disregard for ethical and legal practices. 

The repercussions of these unauthorized hard pulls have been profound and far-reaching. My credit score has plummeted to an abysmal XXXX, a stark contrast to the responsible financial behavior I have maintained throughout my financial history. This sharp decline in my credit score has not only caused me emotional distress but has also adversely affected my financial opportunities. I am well aware of the legal implications surrounding unauthorized hard pulls, and it is both disheartening and infuriating to see my rights being disregarded in such a manner. 

I strongly believe that these unauthorized hard pulls have been intentionally inflicted to keep my credit score artificially low, thereby coercing me into paying exorbitant interest rates. This practice is not only unethical but also potentially illegal. I implore you to consider the immense stress and financial hardship that this situation has imposed upon me, and I kindly request that immediate action be taken to rectify this matter. 

I expect a thorough investigation into this issue, followed by a prompt and appropriate resolution that includes the complete removal of all unauthorized hard pulls from my credit report, along with a comprehensive explanation of the steps taken to prevent such occurrences in the future. Furthermore, I request a formal apology for the distress caused by this situation. 

I genuinely hope that my concerns will be treated with the seriousness and urgency they deserve. I am prepared to take whatever steps are necessary to protect my rights and ensure a fair resolution to this matter. I anticipate your prompt response and resolution of this issue within [ reasonable timeframe, e.g., 30 days ]. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rightful credit standing.

Company response to consumer: Closed with explanation