Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX Legal Department Avant , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX : Notice of Dispute, Demand for Correction, and Pre-Litigation Notice Account : XXXX XXXX XXXX XXXX To Whom It May Concern : This correspondence constitutes a formal notice of dispute, demand for correction, and pre-litigation notice regarding violations of the Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I. FACTUAL BACKGROUND Account closed on or about XX/XX/XXXX due to unauthorized activity Last authorized transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) All transactions after XX/XX/XXXX disputed as unauthorized You failed to conduct a reasonable investigation and failed to correct You continue reporting the account as open to Experian despite internal records showing closed This is a material inaccuracy, not a technical error. XXXX. FCRA VIOLATIONS ( 15 U.S.C. 1681s-2 ) Your conduct violates duties imposed on furnishers of information. Courts have consistently held : A furnisher must conduct a reasonable investigation upon notice of dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : A superficial or automated investigation is insufficient Reporting information that is misleading or materially inaccurate violates the FCRA XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) : Information can be inaccurate if it is misleading in a way that affects credit decisions Continued reporting after notice supports willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) : Willfulness includes reckless disregard of statutory duties Your continued reporting of this account as XXXX actual knowledge to the contrarymeets the standard for reckless disregard. XXXX. FAILURE TO CORRECT KNOWN INACCURACIES Courts have also held : Failure to update or correct known inaccurate information violates the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Furnishers may be liable when they fail to report disputes or correct misleading information Inaccurate account status reporting is actionable XXXX v. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : Reasonableness of investigation is a jury question when inaccuracies persist Your reporting of an account as open when closed is precisely the type of misleading information these rulings address. IV. FCBA VIOLATIONS ( 15 U.S.C. 1666 ) Under the Fair Credit Billing Act : Creditors must investigate billing disputes in good faith Must not continue collection of disputed amounts without proper validation Must resolve disputes within statutory timeframes Your failure to properly investigate unauthorized charges and your misrepresentation that investigations were completed constitute violations. V. DAMAGES AND LIABILITY Under XXXX, reckless disregard supports willful noncompliance, exposing you to : Statutory damages : {$100.00} {$1000.00} per violation Punitive damages Attorneys fees and costs Each month of continued inaccurate reporting after notice constitutes separate evidence of ongoing noncompliance. VI. DEMAND FOR CURE You have 30 days to : Correct reporting to reflect : Account : CLOSED Remove all unauthorized charges after XX/XX/XXXX Provide written confirmation to all credit bureaus Cease collection activity Provide full investigation records, including method of verification XXXX. NOTICE OF INTENT Failure to comply will result in : Complaints filed with the Consumer Financial Protection Bureau and Federal Trade Commission Legal action asserting claims under FCRA and FCBA for willful noncompliance All rights reserved. XXXX. OPPORTUNITY TO RESOLVE The facts and documentation in my possessionincluding your own recordsdemonstrate a clear pattern of noncompliance. This is your opportunity to cure before litigation proceeds. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation