Consumer complaint received 2016-12-21
Company: Flatonia Investments, LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I pulled my credit report for credit monitoring in XXXX of 2016. I happen to notice an inquiry on my credit report that I did not recognize. Therefore, I sent a certified return receipt letter, which I have attached a copy of for your viewing to XXXX at the address they had listed with the XXXX credit bureaus : XXXX and XXXX. However, they never provided any information baring my signature that I am the one that authorized this hard pull on my credit. Therefore, I recently called them on Monday, XXXX XXXX, 2016 and spoke directly to a representative XXXX at XXXX who transferred me to a Supervisor, named XXXX at phone number XXXX. I explained to the representative that I sent them a certified letter and that I have not heard back from them, nor have they removed the credit inquiry off of my credit report. I informed XXXX that I was requesting for proof of a document baring my signature that I authorized XXXX to pull my credit, however, at the time of speaking to XXXX, I found out some astonishing news that was very disturbing to me, and which violated FCRA laws : 1. ) XXXX informed me that XXXX did not pull my credit report, however, she said it was a third party, who 's name she mentioned to me as Envoy Mortgage. I was provided with their phone number of XXXX. I was informed by XXXX that Envoy Mortgage is their client, and that they ( XXXX ) offer this service to her clients. I informed XXXX that I NEVER AUTHORIZED XXXX to sell my information, nor did I authorize Envoy Mortgage to run my credit! I informed her that XXXX and Envoy Mortgage was in violation of the FCRA, and they have violated my rights. I informed her that I wanted this inquiry entry removed off of my credit file immediately with all credit bureaus. However, she informed me that they ( XXXX ) was not allowed to remove the credit entry from the credit bureaus. I explained to her that I was not understanding her position, because it was XXXX ' name that was attached to the inquiry under my social security number, and I did not see Envoy Mortgage anywhere on my credit report. I asked XXXX to provide me the document once again baring my signature authorizing either company to pull my credit, and she said she would need to contact Envoy Mortgage for the authorization that she did not have it on file, because she claimed that they are not required to have it on file, because they did not pull my credit report, it was Envoy Mortgage. Therefore, I explained to her once again that she, XXXX and Envoy Mortgage are both in violation once again of the FCRA, and that both companies have violated my rights as a consumer, because their name is showing up on my credit report as a hard pull entry that I did not authorize. 

I notified XXXX, that I sent her company a certified letter on XXXX XXXX, 2016, which they did not respond to, and she apparently failed to notify her client at this point that I was in dispute of the inquiry entry on my credit file. I have certified return receipts that I have been in dispute of regarding this inquiry since XXXX, and have allowed both companies to send me verifiable proof baring my signature that I authorized these entries. However, both companies have violated the FCRA several times, by selling/purchasing my credit information without my authorization and neither company notified any of the credit bureaus that I was disputing their entry, nor have they provided valid proof baring my signature, which is in violation of the FCRA three times. I have allowed ample time ( 50 days plus ) since XXXX XXXX, 2016 for both companies to provide me valid documentation and they have failed to do so!!! They have violated my consumer rights!!!!! I have yet to be able to contact Envoy Mortgage as of this day, XXXX/XXXX/16.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation