Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit Bureaus : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report from XXXX, XXXX, and XXXX, I discovered errors regarding my account with Avant/WebBank that require immediate correction. 

Disputed Account Information : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance Reported : {$450.00} Credit Limit XXXX {$300.00} Current Status : XXXX Days Late ( Incorrect ) Past Due Amount : {$64.00} ( Incorrect ) Explanation of Errors : My payment history shows that I have made XXXX XXXX of my payments on time, yet my account is incorrectly marked as XXXX days late with a past due balance of {$64.00}. This is a clear contradiction. 

My credit utilization is reported as XXXX XXXX  which exceeds my credit limit of {$300.00}, yet there is no clear reason why this overage exists. I need verification of whether this includes fees or errors. 

The reports fail to indicate the date and details of my last payment, making it unclear why a delinquency is being reported. 

Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for failing to report XXXX XXXX accurate information. In accordance with the Fair Credit Reporting Act, these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681.

Furthermore : 15 U.S. Code 1681 Section 602 ( A ) states I have the right to privacy. 

15 U.S. Code 1681 Section 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting the original copy of the agreement and terms & conditions related to these accounts. Failure to comply will forfeit your claims and require you to delete all the disputed items listed above. You are required to take action and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt of this notice. 

Resolution Requested : Delete these accounts unless you wish to be held accountable for {$1000.00} per account in violation. 

I have attached supporting documentation, including my recent statements and payment confirmations, which show my payments have been made on time. I kindly request that this inaccurate information be investigated and corrected immediately. 

Per the Fair Credit Reporting Act ( FCRA ), I request that this matter be resolved promptly. Please provide written confirmation of your findings and any corrections made to my report. If the account information can not be verified, I request that it be removed from my credit report. 

Please respond in writing to confirm receipt of this dispute and the actions taken. Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation