Consumer complaint received 2023-11-15
Company: Opportunity Financial, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX  OPPORTUNITY FINA/XXXX XXXX XXXX XXXX : Soft Inquiry Reported without verbal or written consent to a third-party organization. 
Credit Reported Address : XXXX Opportunity- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX and XXXX XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX. 

Subject : Adverse Action Notice - Request for Remedy Under ECOA, FCRA, and Social Security Act I am writing to address the recent unauthorized inquiry on my credit report, as indicated in the adverse action notice dated XX/XX/23 and XX/XX/23 ( inquiry date ). I am deeply concerned about potential violations of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and the unauthorized use of my Social Security information, which may implicate provisions of the Social Security Act.

Under the ECOA, discrimination in credit decisions based on certain factors is strictly prohibited. Furthermore, in accordance with 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined not more than {$5000.00} or imprisoned not more than XXXX year or both. 

XXXX OPPORTUNITY FINAXXXX XXXX XXXX willfully and knowingly processed a credit inquiry on my credit profile without my direct written or verbal consent. I did not personally apply for credit with this company, nor do I have a current or past business relationship with them or their subsidiaries. 

The Credit Reporting Agency that reflected these inquires were XXXX I am particularly concerned about potential unauthorized credit pulls and false or misleading advertisements, which may implicate the Social Security Act. If my Social Security information was used without my permission or if false advertising practices were involved, I want to bring to your attention that this could be in violation of the Social Security Act. 

Considering the gravity of these potential violations, I am seeking a thorough investigation into the circumstances surrounding the unauthorized use of my Social Security information. If evidence of discrimination, unauthorized credit pulls, or false advertising is found, I expect appropriate action to be taken to rectify the situation and uphold fair lending practices. 

Please provide me with the necessary information to initiate this process and keep me informed of the steps taken to address my concerns. You may reach me the contact information provided to discuss this matter further. 

Violations-Obtaining my credit without my verbal or written consent. A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application. Resulted in a soft inquiry on my credit report ) I XXXX XXXX am seeking remedy for $ XXXX for this violation. 

Violation-Solicitation to a XXXX party organization ( XXXX ) without verbal or written consent is prohibited regarding ANY aspect of a credit transaction. I XXXX XXXX am seeking remedy for $ XXXX for this violation. 

Violation-Credit Inquiry reflected on my credit report as evidence of securities being received to XXXX  OPPORTUNITY FINA/CXXXX  XXXX XXXX on my behalf. I would like ALL inquires to be REMOVED from ALL credit reporting agencies listed with CFPB to be notified to remove and restore positivity to my credit profile. I XXXX XXXX and seeking remedy $ XXXX for this violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation