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CNC Mortgage LLC ( NMLS ID : XXXX ) pulled my credit as a hard inquiry without my consent. I never completed an application with them. I started an application on XX/XX/2021 and filled in some of the information before deciding to not continue with the application. I received an email on the XX/XX/XXXX asking me to finish my application, which I did not do. I received an email again on the XX/XX/XXXX asking me to finish my application, which I did not do. I never fully completed the application, nor did I ever click the button on their site that provides authorization for them to access my credit report. On the XX/XX/XXXX I received notification of a hard inquiry for my XXXX credit report and an email of pre-approval. All communication was sent by XXXX XXXX ( NMLS ID : XXXX ) from XXXX. I never submitted pay stubs, or bank financial information, no proof of income. I now also received a hard inquiry from XXXX on the XX/XX/XXXX. The actions of this company were predatory and extremely unprofessional.
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