Cogent Road, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77477	Web	Servicemember
After briefly speaking with XXXX XXXX XXXX on XXXX XXXX XXXX to inquiry about the services they offer. I was told that my personal information would be needed to obtain information about their services. I specifically asked how my personal information would be used including my social security number. I was told that collecting this information is standard and only used for their customer service database and that my social security number would not be used without my permission for any reason. I was very angry to see that I was not told the truth and that my credit was run by your agency without my written or verbal permission. I was immediately notified by my credit monitoring service, XXXX that my cre dit may be at risk. I called XXXX , XXXX and XXXX to inform them that I had not given your agency or XXXX XXXX XXXX to use my credit without notification. I was told by each agency to contact XXXX XXXX because t his is the company that ran my credit without my permission or ever speaking with them. Each bureau stated to ask XXXX XXXX to remove the hard inquires that were placed on my credit reports without permission. Each credit bureau stated that your company can remove the inquiries from my credit reports in the same matter as they were placed. Im formally asked them in writing that XXXX XXXX remove the se erroneous inquiries from my XXXX , XXXX and XXXX credit reports. I read their website in depth and I see that they value consumer information privacy because their website clearly states that that I must be on the telephone to verify personal information about myself to ensure that the company is speaking with the right person before they will run your credit. This protocol didnt happen in my case and Im very upset and I never gave authorization to XXXX XXXX XXXX or XXXX XXXX to share or run my information. I sent a certified letter to XXXX XXXX after spe aking with XXXX who works for XXXX XXXX . XXXX stated that I would need to send a certified letter to their office asking that the hard inquiries be removed from all of my reports. I sent the letters and received the return receipt back confirming that XXXX XXXX received m y letter. I have called XXXX numerous times and he has never called me back and I even sent a message via their website and no one has gotten back to me. I 'm asking that your agency please help me to resolve this matter as I have tried to no avail to get a response or the hard inquiries removed. Thank you in advance for your time and attention.
06/27/2018	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	CA 91910	Web
XXXX XXXX XXXX for mortgage related services XX/XX/XXXX I Called XXXX at XXXX Spoke to XXXX XXXX. I asked to speak to someone in their compliance department. He said before he did that he needed to know what the situation was regarding so he knows which part of compliance to send me to. I told him that privacy had been violated by the fax they sent with our full SSN. He said their process allows for information to be pulled exactly as it is shown on the credit report SSN and all. I told him that was a violation of my privacy as a fax was floating around my place of employment with private fully exposed. He said they did that to make sure information was getting pulled on the correct person and not mixed up with someone elses with a similar name. He asked for my name, which I gave him so he can look-up my file, I was on hold for maybe 4 minutes and he came back on the line to verify my address was XXXX XXXX XXXX. I agreed. I asked to speak to a compliance officer, he said that they will not even speak to me if I do not write a letter first, I asked for a name of someone and he refused. He asked me to email XXXX and provide them with my file number which is XXXX and mentioned a date of XX/XX/XXXX. He goes on to tell me if I wanted to dispute the credit inquiry to mention that in my letter. I told him I was not calling to dispute the credit inquiry, simply to advise someone of the violation and to speak to someone about what their policies were regarding Consumer Privacy, again he refused to disclose a name or provide me with the policy. One more time, I asked what their policy was regarding consumer privacy, he said there was not one. I then asked for his last name, and he said it was just the letter XXXX. Disclosing full SSNs and full account numbers is a violation of the Federal Trade Commissions ( FTC ) Consumer Protection Law. Once the FTC is made aware, the Commission may seek a court order requiring compliance. In addition, the Commission may commence suit in Federal https : //www.ftc.gov/about-ftc/what-we-do/enforcement-authority The Gramm-Leach-Bliley Act requires institutions to explain their information sharing practices to consumers and safeguard sensitive date That Act was also violated. The Right to Financial Privacy Act of 1978 ( RFPA ; codified at 12 U.S.C. ch. 35, 3401 et seq. ) is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches.
06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92627	Web
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/XXXX an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/XXXX on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative Stated XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27834	Web	Servicemember
XXXX XXXXFTC REPORT cover XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
06/25/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92626	Web	Servicemember
Upon conducting a personal credit report review, I noticed that a company named FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD ) conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. No consumer notification was submitted and this negligent act resulted in the personal credit damage. FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD ) conducted unauthorized credit check for the following date : XXXX XX/XX/2020 XX/XX/2020
03/02/2017	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 945XX	Web
I was Contacted by mail from XXXX about a ReFi, I spoke with a man there about rates and he asked to see my tax returns. I Asked him Twice not to run my credit but he did regardless because my social security number was on my return. He was extremely arrogant about running my credit telling me he had to to see what rate he could get. I asked him not to. I want to File A Complaint with this shady Business. FUNDINGSTE XX/XX/2016 FUNDING SUITE XX/XX/2016 FDNG STE XX/XX/2016
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92627	Web
This is following up on a complaint I submitted on XX/XX/18. A firm named XXXX XXXX/XXXX XXXX XXXX pulled a tri-merge credit report without my authorization. XXXX XXXX responded that the credit pull was in error and they were going to remove it from my credit report. I have waited three months and this inquiry has not been removed. I never authorized this company to pull my credit and I want it removed
06/12/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	LA 701XX	Web
Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.
12/16/2015	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	AR XXXXX	Web
XX/XX/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22191	Web
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/12/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 367XX	Web
theses are hard inquiries on my report.That needed to be removed. XXXX XXXX XXXX XXXX
02/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94544	Web	Servicemember
Credit inquiry on report that I do not recognize.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93536	Web
Inquiries I don't recognize
12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 710XX	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91335	Web

03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77493	Web

01/16/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39209	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91352	Web

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91405	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91201	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91206	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32835	Web

03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32771	Web

02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32771	Web

07/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92627	Referral

10/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19146	Web

07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06514	Postal mail

05/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OR 97306	Postal mail

05/18/2016	Yes	Credit card	Other	LA 70726	Web

05/18/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	DC 20011	Web

02/01/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 94589	Web