Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ava Finance, Inc
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Negative Accounts on My Credit Report Dear Sir/Madam, I am writing to formally dispute certain negative items listed on my credit report. After reviewing my credit report, I noticed inaccurate or outdated information that I believe should be corrected and removed from my credit report. 

The account ( s ) in question are as follows : Ava Finance Date Opened : [ XXXX XXXX ] Disputed Item ( s ) : I have no knowledge of this account. This account currently shows on credit report as paid/ never late. I need this removed. 

XXXX  XXXX Date Opened : XX/XX/XXXX Disputed item ( s ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX Date opened : XX/XX/XXXX Disputed Items : Disputed item ( s ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Dispute Items : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Dispute ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 


I request that you investigate this matter and remove or correct the inaccurate information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached relevant documents, such as statements, letters, or any other information that supports my claim. 

Please let me know the results of your investigation and any actions you have taken within 30 days, as required by law. I would also appreciate written confirmation that this information has been corrected or removed from my credit file. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at the above address, email, or phone number. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation