Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Unauthorized Access, Furnishing, and Failure to Verify Consumer Information Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX, XXXX, ZIP : XXXX, XXXX XXXXXXXX Email : XXXX Companies Being Reported Bilt Account No. XXXX / XXXX Issue Type Credit reporting Incorrect information on credit report Account information dispute Unauthorized access to consumer report Failure to investigate dispute Complaint Summary I am filing this complaint against the above-named furnishers and the consumer reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including unauthorized access, unlawful furnishing of my consumer report, and failure to provide lawful verification upon dispute. 



I identified multiple accounts appearing on my credit report that were reported without my written consent, authorization, or any lawful permissible purpose as required by federal law. 



Legal Basis of Complaint 1. No Permissible Purpose 15 U.S.C. 1681b Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only for purposes expressly authorized by statute. 

I did not provide written, verbal, electronic, or implied consent for the above companies to access, obtain, or furnish my consumer report. 



2. Improper Furnishing of Consumer Report 15 U.S.C. 1681a ( d ) The information reported bears on my creditworthiness and qualifies as a consumer report under 1681a ( d ). Disclosure without lawful authorization is prohibited.

3. Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681i I previously disputed these accounts with the credit bureaus. Despite this, the accounts remain reported without documentary verification, indicating a failure to conduct a reasonable reinvestigation as required by 1681i ( a ).

Automated verification or data recycling does not meet the FCRAs standard for a reasonable investigation.

Disputed Accounts Bilt ( Acct. 578055 / 945780 ) : No signed agreement or lawful authorization Harm Caused As a result of these violations, I have suffered : Damage to my credit profile Inaccurate reporting affecting lending decisions Emotional distress and time spent correcting errors Ongoing risk of further harm due to unlawful reporting Resolution Requested I respectfully request that the CFPB require the following actions : Immediate deletion of all unauthorized accounts listed above Written proof of permissible purpose if any party claims lawful access Correction of my credit file across all consumer reporting agencies Compliance monitoring to prevent further violations Confirmation of resolution in writing Additional Information I have maintained records of all disputes and correspondence and am prepared to provide supporting documentation upon request. 

This complaint is submitted in good faith to enforce my rights under federal law.

Company response to consumer: Closed with explanation