Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Against Avante USA XXXX XXXX. Violation of FCRA ( 15 U.S.C. 1681i ) and Request for Deletion of Inaccurate Debt Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Avante USA XXXX XXXX for the inaccurate and unlawful reporting of a debt that does not belong to me. This tradeline continues to appear on my credit report despite my disputes, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Nature of the Inaccuracy Avante USA is reporting an alleged debt in my name to one or more consumer reporting agencies ( XXXX, XXXX, XXXX  ). 
I have no contractual obligation, no account history, and no legal responsibility for this debt. 
The account appears to be the result of mistaken identity, clerical error, or fraudulent activity. 
Despite my disputes, the account remains, which has caused ongoing harm to my credit standing, access to financial opportunities, and peace of mind.

2. FCRA Violations ( a ) Violation of 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) When a consumer disputes an item, the credit reporting agencies must conduct a reasonable reinvestigation within 30 days.

Avante USA, as the furnisher, is required to investigate, review all relevant information, and verify accuracy before continuing to report.

Failure to provide documented proof of my liability requires immediate deletion of the tradeline.

( b ) Violation of 15 U.S.C. 1681s-2 ( Duties of Furnishers of Information ) Furnishers must not report information they know or should know is inaccurate. 
Once notified of a dispute, furnishers are obligated to correct or delete any unverifiable information.

Avante USA has continued to furnish this debt without proper verification.

( c ) Liability under 15 U.S.C. 1681n and 1681o By failing to comply with the above duties, Avante USA has engaged in willful and/or negligent violations of the FCRA.

This subjects them to statutory damages, actual damages, costs, and attorneys fees.

3. Requested Relief I am requesting that the CFPB take immediate enforcement action to ensure : 1. Complete deletion of the Avante USA tradeline from my credit reports at all three credit bureaus ( XXXX, XXXX, XXXX  ). 
2. Written confirmation from Avante USA and the credit bureaus that this account has been permanently removed.

3. Assurance that Avante USA will cease all collection and reporting activities regarding this disputed account.

4. Monitoring and enforcement of Avante USAs compliance with the FCRA going forward.

4. Supporting Documentation I have enclosed/attached the following documents to support my complaint : A copy of my credit report highlighting the disputed Avante USA tradeline . 
Copies of my previous dispute letters sent to both Avante USA and the credit reporting agencies. 
Proof of identity and address as required for verification purposes.

5. Conclusion The continued reporting of this debt by Avante USA is a clear violation of 15 U.S.C. 1681i and related provisions of the FCRA. Since this debt does not belong to me and can not be verified, it must be deleted immediately from my credit file. 

I am requesting the CFPBs direct intervention to enforce compliance, protect my rights, and ensure permanent removal of this inaccurate debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation