Consumer complaint received 2020-03-25
Company: Continental Finance Company, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received a copy of my newest XXXX  Credit Report for XX/XX/2020 and remain completely dumbfounded that the report continues to show hard inquiries from companies I do not know and have never authorized a hard inquiry from these companies. I have sent written notice to the companies and XXXX  several times regarding this issue. These hard inquiries do not appear on any other of my credit reports as they have been found to be unauthorized and by FCRA statutes were properly removed. Futhermore, the explanation provided to me by XXXX  does not follow the FCRA guidelines in providing any evidence whatsoever from the companies. 
I continue to receive the same reasoning over and over again, that after a review of my dispute they determined that ... '' The data furnisher had previously previously verified the report information and a seperate communication was sent to me listing the items and providing the data furnisher 's contact information '', this is 100 % inaccurate as I have not been provided any verification or contact information from XXXX  or any of the companies disputed. Even the government i.e. consumer finance.gov does not have the contact information from several of the companies and/or the companies statements that " they are not the correct company to contact '' is absurd, since the information is IN MY CREDIT REPORT! Futhermore, the XXXX  response states that they will re-investigate if I PROVIDE additional documents. Again, this a complete absurdity since these are hard inquiries and the only documentation is on my XXXX  CREDIT REPORT. How can I provide documents on something that I have no knowledge of. 

This has gone on long enough, the unauthorized information has caused severe damage to my credit scores and XXXX appears to be the only company unwilling to follow the federal law and remove the inquiries. My case is this : 1. I have disputed these unauthorized inquiries for over 30 days. 2. I have written statements to the companies as well as XXXX   to remove the information 3. I have filed complaints with the government consumer finance department. 4. The other 2 major credit agencies, XXXX, XXXX  and no issues with the inquiries being removed. 5. The statements from the companies that either " they are not the company to contact '' are again ridiculous considering the information is directly on the reports. The companies " follow-up '' explanation that " they are still working on it '' which is a standard response and only allows the company to further damage my credit by extending the deadline to provide proper verification '' as well as completely invalidates the original statement that " they are on the company to contact. '' How is this not an admission by omission thus cause for immediate removal. How many different excuses are companies allowed before legal action is taken! 
It is time for our government to contact these con-artist and file fraud charges as well as XXXX. I re-iterate, these unauthorized, invalid inquiries have caused severe damage to my credit standing, have been cited as reasons for denial of credit, they do not appear on any other credit reports. As someone who has done everything correctly as stated in the FTC guidelines and the FCRA, I am insisting that these unauthorized, fraudulent information be immediately removed and written statement from XXXX  that they have been removed permanently. I have done my part, now it's time for the government, XXXX and the fraudulent companies involved to do they're part and the right thing is to permanently remove the fraudulently obtained information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation