CFPB Complaints

XXXX XXXX made a hard inquiry on XX/XX/year> to my credit report and my spouses, XXXX XXXX XXXX This inquiry was made in error and under false pretenses, and have requested numurous times it be removed. The reason for my request is that the creditor, XXXX XXXX , falsely advertised a mortgage rate to me that, upon further clarification, turned out to be in error. The misleading advertisement directly led me to inquire about the mortgage, which resulted in the credit check. This constitutes an unfair and deceptive business practice, as I was baited into running my credit based on inaccurate and misleading information. As this inquiry was not the result of my genuine interest or intent to proceed with the mortgage application, I requested that it be removed from my credit report. They refused Please investigate this matter and take appropriate action to ensure that it is removed from my credit report and my spouses XXXX XXXX. I would appreciate your confirmation once the inquiry has been removed.

Subject : Dispute of Unauthorized Credit Inquiry Dear Sir/Madam , I am writing to formally dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 1681b, a credit report can only be accessed for certain permissible purposes. I believe that the inquiry made on my credit report was not authorized by me and does not meet the permissible criteria under the law. Here are the details of the inquiry I am disputing : Date of Inquiry : XXXX XX/XX/year> ] Inquiring Party : [ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize this inquiry and have not received any communication from the above-mentioned party regarding this request. I am requesting that you investigate this matter and remove the inquiry from my credit report if it is found to be impermissible.

XXXX XXXX Date of Inquiry XXXX XXXX XXXX, and XXXX XXXX Date of Inquiry XXXX XXXX XXXX To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.

Dear XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, and XX/XX/year> To my knowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report, I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX.