William D. Meeker Enterprises, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/28/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37643
 Web
On XXXX XX/XX/XXXX - My mom XXXX XXXX and I looked at a home built by XXXX XXXX in XXXX TN XXXX XX/XX/XXXX I looked at the house again and XXXX XXXX - XXXX XXXX stated they had to write up the contract since it was on a builder contract and would not use the TAR form ( contract NOT created by the State of TN ) and they would not let XXXX or I write it up, we are XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX also said it was mandatory to use their lender and that it was their preferred lender. XXXX told him that she wanted to use her preferred bank, he stated it was NOT allowed. Being a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We did reach out to their bank " XXXX XXXX XXXX '' and spoke to XXXX. XXXX explained her income, bank statements, 1099 'S, rentals, XXXX XXXX XXXX XXXX that she does part-time. I also explained my situation regarding credit, divorce and income, as well as that I had no where to go because my home sold and that the buyers would not allow an extension. I explained that my kids would have to stay somewhere else than me while we work this out since they did not meet either of their closing dates, on or before XX/XX/XXXX and XX/XX/XXXX. My mom told them she did not want her credit ran till they could confirm yes or no for financing based on documents that she and I submitted. I sent a text also stating do not run the credit until all docs are viewed. We submitted everything in writing on XX/XX/XXXX regarding all finances, bank statements, lease agreements, loans, a home that XXXX purchased and notified the lender that this home was under an extensive restoration job. She also explained that her bank account held that money for that job. That they could see the money, but do not account for that on closing. She told them that had {$45000.00} to put down and that was the only amount that she could pay for closing. She had contractors that had to be paid with the other funds. They said she was approved for a XXXX percent loan. That she only needed XXXX percent down. She told them that she had {$45000.00} down and that she needed the payment to be at or under {$2000.00} because this home was going to be my primary residence and that is what I could afford to pay due to divorce and paying bills alone. They said that yes they could help us based on reviewing her docs. Then they ran her credit, and said it was good which we told them what her scores were based on online apps. She got a disclosure stating it was {$24000.00} in closing cost with an XXXX interest. XXXX contacted the lender and argued this amount/interest rate. They changed it to a XXXX interest rate and said that was the best they can do. She called her personal bank and asked about their rates, she informed the listing Realtor that she was going to use her bank, but he stated that she could not do that and that she had to use their preferred lender. XXXX XXXX contacted her and asked why she was contacting her own bank and then was informed again that she could not use her own bank and had to use the lender referred by XXXX XXXX.. A buyer can use whoever they want when making a purchase, there is no requirement to use a specific lender. After this argument with their lender, they went back and gave me a XXXX interest but it was never printed on a disclosure/documentation. The closing cost & appraisal cost of {$1600.00} and XXXX argued that down to {$600.00}. XXXX did not agree with the terms, so they will not approve the loan and they will not deny her either. Accurate mortage lied, they never had a XXXX interest rate, XXXX XXXX stated they will withdraw the contract, XXXX stated to them that they do not have permission to withdraw it, that they are to approve it with agreeable terms that their lenders XXXX and XXXX. The next problem is that they told her that she had to bring $ XXXX down at closing- and we both informed them that neither of us had that kind of money. XXXX called me and stated that the loan was denied then backtracked and said that they went another route behind the scenes and got it approved. they never told us it was denied until that phone call. They never gave us a choice to proceed or not if it was denied. If they would have denied it, that would have given me notice to start looking for other housing options as I was limited on time and running out of time. When he told me that the loan was denied and I questioned it, he then stated that she might have to bring more to the table, about 5 % more and I asked " what if she does not have that? '' as I do not know how much money my mom has and that is frankly NOT my business. He then stated remember that this is a bank statement loan and that's the bad part about a bank statement loan, he can see how much she has in her account and that she had more than enough in her account, so she will not be denied. After we hung up, I called my mom and notified her that he stated at first that we were denied then that he said they did something to get it approved and then made a comment about how she won't be approved because she has enough in her account and more. My mom was very upset about how XXXX handled that phone call, admitting her personal information etc and we made a XXXX way call. Of course, XXXX denied stating that the loan was denied. XXXX denied stating any of this to me. Like I told him on an email, I have no reason to lie about what he says and maybe they should record their calls so they can prove that I was telling the truth. On that day, we made XXXX phone calls to him with follow up questions and trying to get clarification. My mom told him again that she has funds in her account but some of that money could not be touched because it was payment for a contractor.Then he proceeded to tell her that she had to put XXXX percent down plus closing cost, in which she reminded him that she could not do that Unless we use to the commission from my side. They would not reduce the price of the home by the amount of the commission. Without discussion, he tried to get her to waive her commission, instead of taking it from closing down payment or off the price of the house, this also was not documented on disclosures. XXXX did ask the agent why she would do that, it did not make sense to waive commission with no positive intention behind this move. Agent stated he didnt know why they took off commission. One of the problems, XXXX XXXX wanted XXXX to lie on primary residence, she was not going to lie for them or help them cover up whatever they were trying to do. They wanted her to sign papers stating that she will be living there with me and my kids. They asked her to text this info as well so they could have that in writing. She would not do that. Every time I sent them a letter stating it was going to be my primary, they would resend an email or letter in their words. She wouldnt sign it. They lost bank statements, I had to resend multiple times, then again toward the end they wanted more statements that was already submitted. She explained that they already had them and how hard it was for her to keep getting the same documents or more documents from her bank due to location/not local. She paid the contractor, they were angry over that because the money was no longer available for them. They wanted XXXX to go get the contractor money back and put back in the account. She told them no she could NOT go get the payment back from the contractor. She owed this person money and he was kind enough to wait an extra month while we attempted to sort through this situation. The realtor called and she needed to go and get the money back. Do they really think the contractor was going to give money back to her when she OWED him? He would then be taking another risk of not getting paid for a service that he provided. I am asking for a denial letter to get earnest money deposit back on behalf of XXXX XXXX XXXX The XXXX XXXX will not give back due to no denial letter and they would not approve the loan either because they still wanted more documentation. Due to XXXX XXXX, I was homeless for almost 4 weeks. I had no place to sleep. My kids had to stay w/their friends. I had to pay and provide groceries. I had to pay for a hotel as well. Not only did we lose money on earnest money deposit, I lost money by delayed closings, having to pay other people to keep my kids, hotel and food expenses, time in dealing with this situation, time in attempting to find a place to live, lost out on a rental home because of the back and forth with XXXX XXXX. THIS WAS A NIGHTMARE. Now on XX/XX/XXXX, we found out that a denial letter was issued by CIC Credit XXXX XXXX XXXX XXXX, TN XXXX XXXX It appears that this letter was typed up on XX/XX/XXXX We have not heard from anyone to received notice that a denial was issued We are not familiar with this company We did not speak to CIC company to apply for a loan XXXX applied for the loan through Accurate Mortgage She did NOT agree to allow other creditors to run her credit We also did not receive this letter at the correct address As the lender is fully aware, this was supposed to be sent to the address located in XXXX, TN XXXX Now that a denial has been issued, we are demanding full payment for the earnest money and the appraisal fees to be returned to XXXX XXXX at the address above XXXX did state when we were touring the home that if she was denied, the earnest money would be returned. XXXX XXXX has also not returned XXXXXXXX XXXX mail to her or to the post office. I did request this previously and no one responded. The lender and the agent all quit responding to our contact attempts.
11/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TN
  • 37643
 Web
YOUR COMPLAINT On XXXX XX/XX/XXXX - My daughter and I looked at a home built by XXXX XXXX in XXXX TN. XX/XX/2022 I looked at the house again XXXX XXXX stated they had to write up their contract and would not let my daughter or me as we are Realtors. XXXX XXXX XXXX also said it was mandatory to use their lender and that it was their preferred lender. I told him I use my banks, he stated it was NOT allowed. Being a realtor, I always give three names to banks. I did reach out to their bank " Accurate Mortgage Group '' I explained my income, bank statements, 1099 'S, rentals, Airbnb jobs, and cleaning jobs that I do part-time, I told them I did not want my credit run till they could tell me yes or no if they could finance me, I submitted everything in writing on XX/XX/2022 regarding all finances, bank statements, lease agreements, my loans, my home that I recently purchased with it being done and it was under an extensive restoration job. I also explained that my bank account held that money for that job. That they could see the money, but do not account for that on closing. That I had {$45000.00} to put down and that was it. I had contractors to pay. They said I was approved for a XXXX percent loan. That I only needed 3 percent down. I told them, I had {$45000.00} down I needed the payment to be at or under {$2000.00} because this home was my daughter 's primary residence since she had a divorce and needed my help. The next thing THEY SAID was ABSOLUTLEY, Then they ran my credit, and said it was good, and the next thing I get the disclosure stating it was {$24000.00} in closing cost with an XXXX interest. I argued with them. They changed it to a XXXX interest rate and said that was the best they can do. My bank i called and asked about their rates, I told the listing realtor I was using my bank, but he stated NO, I had to use their preferred lender. Not even five minutes later, XXXX called asking '' why am I calling my bank? ' I said, " I am going to use my bank '' He stated I am not allowed to use my lender ''. I do not see why any lender or home builder would be able to justify this. As a buyer, I have all rights to use who would fit me and my best interest. After this argument with their lender, they gave me a XXXX interest but never saw it on disclosures. The closing cost & appraisal cost of {$1600.00} was ridiculous. The disclosures I did not agree with the terms, so they are they will not approve my loan nor will they deny me. XXXX XXXX lied, they never had a XXXX interest rate, XXXX XXXX stated they will withdraw my contract, I stated they do not have my permission to withdraw it, that they are to approve it with agreeable terms that their lenders XXXX and XXXX stated. The next problem was the amount I had to bring to the table was {$77000.00} - I told them I did not have that kind of money for the down payment. XXXX called my daughter stating I have that money in my account. We did a third-way call, I was angry- he had no business telling my daughter what I had in my accounts without my permission. Then I reminded him of my contractor having to pay, I can not use all the funds that are in my account. Then he proceeded with 15 percent down plus closing costs. I can not do this I told him. Unless we use the commission from my side. The next thing I know, he was having me waive my commission, instead of taking it from the closing down payment. Waiving commission yet it is nowhere on disclosure. I asked the listing agent why would i waive my commission and the price doesn't go down, or they don't use it for anything? it didn't make sense. The agent stated he didn't know why they took off the commission. If it was going toward the down payment, I would have. One of the problems, Accurate mtg wanted me to lie on the primary residence, but I wouldn't. They wanted me to sign papers stating I will be living there. They asked me to text them this as well. I wouldn't. Every time I sent them a letter stating it was my daughter 's primary, they would resend me a letter in their words. I wouldn't sign it. They lost bank statements, I had to resend them, then again toward the end they wanted more statements that were already submitted. I explained to them they had them. I paid the contractor, they were angry over that, They demanded I go get the contractor 's money back and put it back in my account. I told them no way, I could go get the payment back from the contractor. I owed him and he was kind enough to wait an extra month. The realtor called and said I needed to get the money back after closing. This is absolutely absurd! Why would I do this? I am asking for a denial letter to get my EM back, this is not right. XXXX XXXX will not give back due to no denial letter. The Realtor of XXXX XXXX lied, and the lenders have lied. They need to be held accountable. One of the emails states XXXX XXXX XXXX was the company they brokered it out, Yet, I get another email from CIC Credit / ANOTHER email stating - XXXX XXXX XXXX. At this time, I am not sure who the lender is, I know who I applied with which was XXXX XXXX
10/28/2022 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
  • NC
  • 283XX
 Web
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.It has recently come to my attention that your company has placed X number of inquiries on my consumer credit report. I would like to exercise my right, under Section 809 of the 1972 FCRA, to request that you send me proof that I authorized your company to access my credit file on cic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide me a hard copy of a credit application or document bearing my signature as proof that I specifically authorized your company to review my credit file. The inquiries placed on my report by Company/Lenders Name are preventing me from obtaining new credit. If you can not provide the requested proof, I request that you immediately remove this item from my credit report. XXXX. The amount of debt ; XXXX. The name of the creditor to whom the debt it owed ; XXXX. A statement that, unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; XXXX. A statement that, if the consumer notifies the debt collector in writing within 30 days that the debt, or any portion thereof, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector ; and 5. A statement that, upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( B ) Disputed debt If the consumer notifies the debt collector in writing, within the 30-day period described in subsection ( A ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter mat continue during the 30-day period referred to in subsection ( A ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( C ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be constructed by any court as an admission of liability by the consumer. ( D ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( A ). ( E ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by Title 26, Title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 USC 1692h
05/06/2022 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
  • TX
  • 77396
 Web Servicemember
I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXX HIGHWAY XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
07/17/2019 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
  • 92201
 Web
On XX/XX/XXXX, I was looking for financing company for home improvement and stumble on XXXX. On their website it states the following below : Also, here 's the link : XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX Three steps is all it takes. 1 Check Your Eligibility Youll receive your preliminary eligibility results in less than 60 seconds. Checking eligibility wont affect your credit score. 2 Submit Your Application Get approved in minutes. Youll receive all costs and financing terms in an easy-to-read statement before your project begins. 3 Choose a Contractor Use our website to search for local contractors based on rating and reviews, specialization and more. So I went ahead to check to see if I'm eligible, after completing the steps a hard credit inquiries was pulled from my credit. I called XXXX XXXX on XX/XX/XXXX to dispute the inquiry and that the fine prints was misleading to consumer " Checking eligibility wont affect your credit score. '' I told the representative that hard inquiries does affect the credit score but after she talk to someone she refused to help and gave me excused that I should have read all fine prints. They said they can't do anything about it and can't remove the hard inquiries. I called XXXX after I spoke to XXXX XXXX and XXXX representative told me that he can't remove the hard inquiry until XXXX XXXX told them to remove the it. He also added they do have the authority and ability to help me and remove the hard inquiry. After I told them they refused to help me - he suggested to go file a complain at www.cfpb.gov and request to have CIC credit to remove the hard inquiry from XXXX XXXX.
01/05/2023 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
  • GA
  • 302XX
 Web
XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k. You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation. Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted. Further, because my social security number ( credit card ) was used, and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your XXXX XXXX. The is an act of Aggravated Identity Theft. If youXXXX XXXX XXXX fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. You will remove this inquiry from XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX, XXXX Without Recourse
02/19/2016 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • VA
  • 22408
 Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX Dear XXXX credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, Signature XXXX XXXX
02/20/2016 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • VA
  • 22408
 Web
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CIC credit on my XXXX report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CIC CREDIT To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, Signature XXXX XXXX
03/26/2018 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
  • GA
  • 30260
 Web Servicemember
Dear XXXX XXXX XXXX XXXX. This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX. Made on : XX/XX/2017 and XX/XX/2017 Made with : XXXX, XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
07/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33458
 Web
Hello : A company by the name o f CIC Credit pulled my credit reports from all XXXX agencies ( XXXX , XXXX and XXXX ) on XX/XX/XXXX without my authorization - I do n't even know who the company is. I have called the company several times to find out who they are and why they pulled my credit without authorization, however I just keep getting forwarded to someone in the company that the call just goes to voicemail. I have left several messages requesting a call back with no response. This is very frustrating, as these hard inquiries hurt my credit score and it is extremely unfair that a company will/can do this knowing that these inquiries lower my score and without my authorization.

I am a subscriber to XXXX XXXX XXXX and they send alerts immediately when there is a change to your score - that is how I found out about the inquiry and also company information. Please see below for the company information and advise how we proceed now. My goal is to resolve this by the hard inquiries being removed from my report - Thanks in advance for your help!

Company Info : CIC Credit XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX XXXX

05/31/2023 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
  • OH
  • 43081
 Web
Upon reviewing my recent credit report, I noticed an inquiry from CIC CREDIT, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 605XX
 Web
I am writing to complain to CIC CREDIT about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30305
 Web
I have recently conducted a thorough examination of my credit report on XXXX and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts, inquiries listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the inquires I have enumerated below. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX CIC Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CIC Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
11/17/2017 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
  • CA
  • 94303
 Web
I submitted a complaint about the improper use of my credit report to the CFPB on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX responded : " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not a creditor. XXXX XXXX does not extend credit for any reason and is only a credit report reseller. XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. Please find attached copy of executed consumer credit authorization. '' According to the attached evidence of the funding application provided by XXXX XXXX, I authorized XXXX XXXX XXXX XXXX to do the credit check. However, XXXX XXXX respond from XX/XX/XXXX stated " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX ... .XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. '' I did not give my permission to access my report to XXXX XXXX and/or any of its representatives. I demand to reopen the case and erase the credit check inquiry.
11/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30909
 Web
CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXXreport. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
11/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30909
 Web
CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
11/25/2022 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
  • TX
  • 76549
 Web
According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. XX/XX/2022 - XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX Dealer Services ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
04/09/2022 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
  • Was not notified of investigation status or results
  • GA
  • 30349
 Web
I recently called XXXX at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.
11/03/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28273
 Web
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78414
 Web
I was looking for a HELOC rate, so I searched online and found this company. Spoke to the representative and not once did I ever authorize or give permission to have a hard Credit pull. Come to find out he pulled a hard request. I have emails to provide as proof as well. Once I contacted the company, they were very hesitant and apprehensive to resolve this problem. I filled out paperwork for this company so they can dispute it with the reporting agency, but still have not heard anything back. I would like that hard pull removed from my credit report. I never gave my Social Security number out, so I am not sure where he got my Social Security number from to pull the inquiry from. Very concerning.
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33409
 Web
I have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC Mortgage Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60008
 Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, CIC CREDIT add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
08/17/2020 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
  • NJ
  • 07071
 Web
On XX/XX/2020 i got a notification from XXXX XXXX saying some mortgage lender has performed a credit check on my account. when i logged in XXXX XXXX i see the agency name as CIC Credit. i started inquiring recently about rates in XXXX XXXX, XXXX XXXX but i never game my son or date of birth or provide authorization to run my credit. now XXXX XXXX says i have 12 days to find a mortgage lender to avoid degradation in my score. can you please look into the inquiry asap since i didn't not provide consent for sure. if you have any questions i can be reachable. Thanks, XXXX
03/24/2019 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
  • FL
  • 33175
 Web
I never have applied to any housing loan or mortgage and I have never authorized any inquiry of my credit for such a thing..I don't understand how on XX/XX/XXXX a hard inquiry by CIC MORTGAGE CREDIT was made ... this could be a potentially identity theft I am currently living in Florida and apparently the inquiry was made by a company in Tennessee. This the report from XXXX : Inquirer Name CIC MORTGAGE CREDIT IN Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage Reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX
05/07/2020 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
  • IL
  • 608XX
 Web
XXXX XXXX XXXX XXXX XXXX pulled my credit report without my consent. The lender advised they would NOT make a hard inquiry onto my credit report. I advised XXXX of this and they stated that even though the inquiry was made ILLEGALLY, they would not be removing the inquiry from my report. I contact XXXX I contacted the creditor who pulled the report illegally and both refused to correct this. The report was pulled by : CIC Mortgage Credit In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX The original Organization is : XXXX XXXX XXXX XXXX
01/12/2018 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
  • MS
  • 39601
 Web
On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!
02/10/2023 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
  • OH
  • 43209
 Web
On XXXX I was looking over my credit report. when I came across an unauthorized inquiry from a company by the name of CIC Credit. this company did not have my permission to run my credit at all I have asked them on multiple occasions to delete their inquiry. however, they have not they have failed to produce any physical evidence of any authorization MADE BY ME such as an Identification card, Social Security Card, or PassPort.the only info they have sent me is some info about their service.
09/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • XXXXX
 Web
I am filling this complaint to CIC CREDIT for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
12/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21060
 Web
This was taken by : CIC CREDIT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ordered by : XXXX XXXX XXXX Date Ordered : XX/XX/XXXX There is an open account with Liens and Judgments Report. Amount : {$1600.00} XXXX XXXX XXXX XXXX - XXXX DIVISION | County : XXXX XXXXXXXX XXXX File Date : XX/XX/XXXX Filing # : XXXX Date Last Seen : XX/XX/XXXX XXXX Type : STATE TAX LIEN This is already paid and I will provide the receipt.
11/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91423
 Web
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, CIC CREDIT add a hard inquiry on my credit report per XXXX. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
05/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78218
 Web
On XX/XX/2019 CIC Credit made an inquiry on my XXXX credit report. Because I never authorized CIC Credit to pull my credit report, I contacted CIC Credit demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. CIC Credit never responded with any type of valid proof that they had permissable purpose to pull my credit report.
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20003
 Web Servicemember
It is reported on my credit report a hard inquiry from CIC Credit in XXXX TN. I have never signed up or received any services from this company. I have only found out about this recently based on a review of my credit report. This inquiry is notated from XX/XX/2023. It looks like a mortgage was being applied for in my name and I have no recollection I applied for a mortgage loan.
03/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72701
 Web Servicemember
On XX/XX/XXXX we called XXXX XXXX. XXXX XXXX. I never spoke to them at any point in the conversation. My wife spoke on my behalf while I was present. My wife did not give them permission from me or herself AT ANY TIME to do any soft or hard inquiries on my credit report. They decided to pull my credit anyway on the XXXX and the XXXX. This is a direct violation of law.
12/13/2021 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
  • AL
  • 36109
 Web Servicemember
XXXX XXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus.
10/09/2021 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
  • GA
  • 30349
 Web
After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted XXXX they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.
02/04/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 33584
 Web
I am showing an inquiry on my credit report dated XXXX/XXXX/2015 from the following company that I DID NOT authorize to pull my credit. I demand that this company have their inquiry immediately removed from all credit reporting agencies including XXXX and XXXX. Company info : CIC XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
01/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10040
 Web
The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) Insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed an inquiry that I did not authorize and does not fit A, B, C, or D above : - XX/XX/2020 XXXX XXXX
03/27/2022 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
  • FL
  • 33990
 Web
These inquires listed below were not authorized. These are unauthorized inquires that shouldn't be on my credit report. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Cic Credit Inquiry Date : XX/XX/XXXX 2020
09/19/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75035
 Web
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Inquiries : CIC XX/XX/23
02/28/2022 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
  • FL
  • 34741
 Web
Someone have been applying for credit in my name at the following places -CIC Credit : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX -XXXX : XXXX XXXX XXXX -XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
02/27/2022 Yes
  • 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
  • FL
  • 33141
 Web
I did not give anyone my permission to have my personal information about my past eviction history to be place on public information or given to anyone. I did not give any agency permission to use my information and have it on their reports.. I need to have my personal information private..
12/03/2022 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
  • GA
  • 30064
 Web
15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose
10/16/2023 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
  • NY
  • 11701
 Web
After reviewing my most recent credit report I noticed hard inquiries I did not authorize I contacted the companies in question and was directed to the credit bureaus to try and resolve the matter Dates of inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
01/11/2022 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
  • GA
  • 30248
 Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
11/12/2017 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
  • CA
  • 94303
 Web
XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX
09/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32835
 Web
1. CIC CREDIT has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
10/06/2023 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
  • OH
  • 43054
 Web
I was shopping for Mortgage and auto loan. All of a sudden I get all this inquiries more than XXXX inquiries which has affected my credit. At this moment my loan cant be approved if they are not removed. Without this loan I will lose it all.
03/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33068
 Web Servicemember
Experiencing massive amount of insurance, credit card, health insurance phone calls. I truly believe that my social security number was compromised and that someone tried to establish credit through fraudulent means.
11/06/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • NJ
  • 08081
 Web
i did not authorize these companies to run my credif i would like these inquiries removed. i also placed a fraud alert on my credit report. cic mortgage credit, XXXX XXXX XXXX, XXXX XXXX, cic credit and XXXX XXXX
11/04/2015 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • AL
  • 35173
 Web
I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message.
03/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33068
 Web Servicemember
Since the latest large scale credit fraud breach, my credit report is filled with multiple credit inquiries that I have no knowledge of and I truly believe the inquiries are of a fraudulent nature.
08/16/2021 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
  • GA
  • 30213
 Web
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.
05/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30260
 Web Servicemember
CIC/XXXX XXXX XXXX has inquiries in my credit report. I didn't give written or verbal authorization for anyone to check my report.
09/15/2022 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
  • MI
  • 49009
 Web
XX/XX/2022 CIC credit ran my credit report without my permission. I need this turnover from my credit report
10/25/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • XXXXX
 Web Servicemember
I cant get nothing cause that XXXX XXXX XXXX XXXX XXXX u all closed my complaint with talking to me
10/30/2022 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
  • KY
  • 407XX
 Web
XXXX XXXX of XXXX was unauthorized to make an inquiry on my credit, yet he fraudulently did so!
09/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11203
 Web
I have two hard inquiries on my credit report that I'm unaware of i never applied for mortgage
07/06/2021 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
  • MD
  • 20705
 Web
On numerous occasions my credit was ran with companies without my consent and knowledge.
02/06/2018 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
  • Problem with personal statement of dispute
  • NY
  • 114XX
 Web
Inquiries affect your credit score typically weighing it down to a negative impact ;
01/24/2023 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
  • 95828
 Web
There are various inquiries on my account that I did not approve/ authorize.
02/28/2022 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
  • MI
  • 48192
 Web
The company did a hard inquiry check ok my credit without my acknowledgment.
05/02/2023 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
  • NJ
  • 08046
 Web
I notice multiple inquiries from unknown sources on my credit report.
05/02/2023 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
  • AL
  • 35022
 Web
I have taken action to get inquiries remove that I am not aware of.
04/25/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33610
 Web
this company has an account on my credit report thats not mine.
01/29/2021 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
  • AL
  • XXXXX
 Web
I do not recognize these credit inquiries on my credit report.
08/11/2023 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
  • IL
  • 60411
 Web
I have unauthorized inquiries in my credit report
12/27/2022 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MD
  • 20735
 Web
I was not aware that I could opt out.
12/22/2020 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
  • 95240
 Web Servicemember
I did not authorize these inquiries.
09/21/2020 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
  • AL
  • 364XX
 Web
Didnt authorize credit pull
02/03/2024 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
  • NV
  • 89506
 Web
02/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33186
 Web
01/29/2024 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
  • FL
  • 34668
 Web Servicemember
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30013
 Web
01/09/2024 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
  • FL
  • 33186
 Web
12/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • IL
  • XXXXX
 Web
12/20/2023 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
  • IL
  • 60565
 Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30324
 Web
11/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33004
 Web
10/31/2023 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
  • FL
  • 33141
 Web
10/03/2023 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
  • NY
  • 11223
 Web
09/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27576
 Web
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30213
 Web
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30213
 Web
08/25/2023 No
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37917
 Web
08/21/2023 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
  • IL
  • 60565
 Web
07/21/2023 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
  • IL
  • 60425
 Web Servicemember
06/26/2023 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
  • 33019
 Web
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30215
 Web
06/09/2023 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
  • MO
  • 63033
 Web
05/16/2023 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
  • 93308
 Web
05/12/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43206
 Web
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32439
 Web Servicemember
04/25/2023 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
  • 32837
 Web
04/17/2023 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
  • TN
  • 37122
 Web
04/17/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 71106
 Web
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 71106
 Web
04/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33812
 Web
03/22/2023 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
  • 33023
 Web
03/07/2023 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
  • 32839
 Web
03/06/2023 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
  • LA
  • 70128
 Web
02/23/2023 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
  • 33776
 Web
02/06/2023 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
  • 95747
 Web
01/28/2023 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
  • GA
  • 30005
 Web
12/31/2022 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
  • Was not notified of investigation status or results
  • IN
  • 46268
 Web
12/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46268
 Web
12/04/2022 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
  • TX
  • 77028
 Web
11/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11798
 Web
10/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30132
 Web
08/24/2022 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
  • NY
  • 11729
 Web
05/24/2022 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
  • IL
  • 60074
 Web
05/03/2022 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
  • 32256
 Web
03/22/2022 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
  • IL
  • 60195
 Web
03/06/2022 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
  • FL
  • 32207
 Web
03/03/2022 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
  • PA
  • 19136
 Web
02/18/2022 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
  • NY
  • 11215
 Web
01/28/2022 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
  • OK
  • 73116
 Web
01/26/2022 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
  • FL
  • 33487
 Web
01/03/2022 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
  • GA
  • 30022
 Web
11/23/2021 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
  • MD
  • 21701
 Web
10/28/2021 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
  • GA
  • 30066
 Web
10/21/2021 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
  • GA
  • 30312
 Web
09/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60061
 Web
08/27/2021 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
  • FL
  • 33160
 Web
08/18/2021 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
  • PA
  • 19139
 Web
08/02/2021 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
  • OH
  • 44105
 Web
07/21/2021 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
07/21/2021 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
07/09/2021 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
  • PA
  • 19139
 Web
06/05/2021 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
  • NY
  • 11710
 Web Servicemember
05/29/2021 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
  • LA
  • 70068
 Web
05/17/2021 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
  • FL
  • 33312
 Web
02/05/2021 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
  • FL
  • 32824
 Phone
12/13/2020 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
  • NC
  • 27529
 Web
07/24/2020 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
  • 33311
 Web
07/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60143
 Web
06/07/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • UT
  • 84121
 Web
05/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20721
 Web
12/04/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33186
 Web
05/01/2019 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
  • GA
  • 30252
 Web
03/06/2019 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
  • 93401
 Web
03/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30076
 Web
02/24/2016 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • TN
  • 37208
 Web