INC.,MI,48185,,Consent provided,Web,2025-08-01,Closed with explanation,Yes,N/A,15045418

What the CFPB Record Shows About INC.,MI,48185,,Consent provided,Web,2025-08-01,Closed with explanation,Yes,N/A,15045418

INC.,MI,48185,,Consent provided,Web,2025-08-01,Closed with explanation,Yes,N/A,15045418 has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 0 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXXXX/XX/, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, INC.,MI,48185,,Consent provided,Web,2025-08-01,Closed with explanation,Yes,N/A,15045418 reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "MI XXXX Address Law : FCRA Section 609 ( c ) ( 2 ) ( E ) and Section 611 ( a ) Issue : This is not my address and is being incorrectly reported Story : I have no association with this address it is entirely inaccurate and reporting this falsely connected location is misleading to my credit file XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff * * Law : FCRA 611 and 623 ( a ) ( 1 ) ( A ) Issue : This account is reporting inaccurate charge-off status Story : I dispute this entry as I do not have a valid account with this creditor in this manner and the reporting has no supporting verification documents provided under my previous requestXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff * * Law : FCRA 611 and 623 Issue : Account status is incorrect and unverifiable Story : This item does not match any legitimate obligation on my part and needs to be reinvestigated properly with actual documentation XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 623 and 611 Issue : Reporting as a charge-off despite {$0.00} balance Story : This contradictory entry reflects inaccurate status a zero balance can not be charged off and I request deletion of this erroneous item XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment * * Law : FCRA XXXX XXXX and XXXX Issue : Late payment reported inaccurately Story : I was under forbearance or deferment status during this time as per federal student loan protections yet this account reflects a delinquency that should not exist XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment * * Law : FCRA 623 and 611 Issue : Misreported delinquencies Story : This loan was not delinquent under Department of Education guidelines this is a misrepresentation and needs correction or removal XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment * * Law : FCRA Section 611 Issue : Forbearance status overlooked in reporting Story : This loan was under active federal protection with no missed payments and yet is reported delinquent in error XX/XX/XXXX XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law : FCRA Section 611 Issue : Inconsistent and unverified reporting Story : Payments were in good standing or under approved deferment the late payment status here is factually unsupported and must be correctedXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Late Payment * * Law : FCRA 611 Issue : Unjustified derogatory status Story : I dispute this item because payments were not late based on agreed terms this listing reflects inaccurate and harmful reporting XXXX XXXX XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00} Collection * * Law : FCRA 623 Issue : Duplicate with XXXX account Story : This appears to be a duplicate listing for the same debt and creates double derogatory harm I request immediate deletion of XXXX or both pending validation XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$1000.00} Collection * * Law : FCRA 611 and 623 Issue : Account submitted to collections in error Story : This balance was under dispute with the institution and should never have been placed with a collection agency XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Collection Law : FCRA 611 Issue : Account disputed and improperly validated Story : XXXX XXXX has failed to provide any documentation verifying this collection as accurate and complete per my first dispute XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Collection * * Law : FCRA and FDCPA Issue : This debt is either inaccurate or time-barred Story : This item must be removed as there has been no verification or proof of authorization to report such collection under my fileXX/XX/XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : Unauthorized hard inquiry Story : I never applied for credit with Rocket Mortgage and this inquiry was conducted without my permission damaging my score XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : Inquiry not authorized by me Story : I did not apply for any loan or account with XXXXXX/XX/XXXX this pull is unauthorized and should be deleted immediately I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate", and the single most common underlying issue is "outdated".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating INC.,MI,48185,,Consent provided,Web,2025-08-01,Closed with explanation,Yes,N/A,15045418: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.