Total complaints
12
Filed since ACCO
2026 data Public-data reference. official source
unauthorized
12 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
12 consumer complaints filed with the CFPB
This profile shows unauthorized's complaint history from CFPB public records. 12 consumers have filed complaints since ACCO. The company has a 0% timely response rate and has provided relief in 0% of cases.
12
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
10
States Active
ACCO
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
unauthorized complaint mix by product
- Willful FCRA 3 30.0% – 0% relief
- XXXX XXXX 2 20.0% – 0% relief
- phone number 1 10.0% – 0% relief
- you MUST 1 10.0% – 0% relief
- and FCRA 1 10.0% – 0% relief
- I applied 1 10.0% – 0% relief
- common law 1 10.0% – 0% relief
How unauthorized's 12 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Willful FCRA Violations | 3 |
| XXXX XXXX | 2 |
| phone number XXXX | 1 |
| you MUST block information resulting from unauthorized use within four ( 4 ) business days of receiving a consumers written request accompanied by valid identification and an FTC Identity Theft Report. I have attached my FTC Identity Theft Report ( # XXXX ) | 1 |
| and FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting false or unverifiable information Story : This account is reported as a chargeoff with a large balance | 1 |
| I applied for a Wells Fargo credit card with a credit inquiry that was authorized. Wells Fargo misread my XXXX credit report and declined me for being deceased! ( XXXX has verified I was NEVER erroneously listed as deceased ). When I called Wells Fargo 's reconsideration phone line to have the error corrected | 1 |
| common law protections | 1 |
| which indicates that my information was likely bought | 1 |
| 604 ( a ) | 1 |
Top States
| State | Complaints |
|---|---|
| and fraudulent information from my consumer file ( s ). | 3 |
| and harmful.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,33160,,Consent provided,Web,2025-09-29,Closed with explanation,Yes,N/A,16249003 | 1 |
| or fraudulent activity | 1 |
| and fraudulent | 1 |
| and harmful.,,EQUIFAX | 1 |
| and harmful to my credit standing. I demand its immediate removal I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy | 1 |
| appeared on my XXXX credit report on XX/XX/2018. | 1 |
| or inaccurate accounts reported under XXXX XXXX XXXX | 1 |
| and not legally enforceable. | 1 |
| or identity-theft-related information. Despite this | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| final demand under the Fair Credit Reporting Act ( FCRA ) | 3 |
| XXXX XXXX XXXX XXXX XXXX | 2 |
| dated XX/XX/year> | 1 |
| along with a copy of my identification to verify my identity. Under 15 U.S.C. 1681i ( a ) ( 5 ) | 1 |
| and there is no valid contract with my signature proving I am liable. The reporting is inaccurate | 1 |
| only to re-read the existing report to verify it had been misread | 1 |
| and XXXX XXXX XXXX ( XXXX XXXX ) XXXX | 1 |
| transferred | 1 |
| 611 | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About unauthorized
unauthorized has accumulated 12 consumer complaints in the CFPB public database, with filings active across 10 U.S. states. Of those submissions, 10 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 ACCO, and the most recent logged activity is Under FCRA, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, unauthorized 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 "Willful FCRA Violations", and the single most common underlying issue is "final demand under the Fair Credit Reporting Act ( FCRA )".
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 unauthorized: 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.
Consumer Guides
Learn more about your rights and how to interpret complaint data.
Related Data
Explore additional financial data about companies, lenders, and institutions on our partner portals.
PlainBankData
Bank financial data — deposits, assets, branches, and regulatory filings for FDIC-insured institutions.
PlainAdvisorCheck
Financial advisor records — SEC and FINRA registration, disclosures, and disciplinary history.
PlainCU
Credit union data — financial performance, membership, rates, and NCUA regulatory information.
PlainInsurer
Insurance company data — financial strength, complaint ratios, market share, and state licensing.
PlainLender
Mortgage lender data — HMDA loan originations, approval rates, interest rates, and lending patterns.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does unauthorized have?
unauthorized has received 12 consumer complaints filed with the Consumer Financial Protection Bureau.
Does unauthorized respond to complaints on time?
unauthorized has a 0% timely response rate to CFPB complaints.
What is the most common complaint about unauthorized?
The most common issue reported against unauthorized is "final demand under the Fair Credit Reporting Act ( FCRA )" in the "Willful FCRA Violations" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
