ComplaintsforHeritage Acceptance Corporation
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Complaint Details
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Initial Complaint
03/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This debt with Heritage Acceptance has been paid off in full and should no longer be posted on my credit report.Business response
03/22/2024
Generally, accounts like this remain on a consumer's credit report for approximately seven (7) years before they are removed by the credit reporting agency.Initial Complaint
11/30/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company ran a hard inquiry on my credit without my knowledge on November 28, 2023. I have not applied for credit with them.Business response
12/08/2023
Heritage has a customer with this name and ran a credit inquiry as part of taking action on that existing account. This is a permissible purpose under the law. Heritage includes social security numbers when it makes an inquiry like this but without a social security number for this ****************, we cannot verify that the person filing this complaint and our customer are the same person. If the **************** who filed this complaint does not have an account with **********************, then it appears the credit bureau connected Heritage's inquiry with the wrong "***********************" account. If that is the case, **************** can file a dispute with the credit bureau and they should be able to remove the inquiry.Customer response
12/08/2023
I am rejecting this response because:
I do not have an account with **********************.Customer response
12/11/2023
Yes. I reached out to experian and they informed me I would have to reach out to Heritage Acceptance directly. I tried doing that and they kept asking for more personal information from me which I was uncomfortable giving them considering they clearly have enough to pull a hard credit score. They didn't even know if I had tried to get a loan or not (which I did not).Business response
12/12/2023
**************** has a common name. In order to ensure the confidentiality of customer information, ********************** requires people calling in and asking for information about an account to provide things like their name, address, account number and partial social security number. Without that information, account representatives will not be able to access account information to address ******************** questions.Customer response
12/12/2023
I am rejecting this response because:
I do not have an account with *********************************************. Why would I call any company I do not have an account with and give them my personal information? The excuse of having a common name is unacceptable.
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Customer Complaints Summary
5 total complaints in the last 3 years.
2 complaints closed in the last 12 months.