Consumer complaint received 2017-05-05
Company: FC HoldCo LLC
State: KS
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:
I went into  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ). On  XXXX ,  XXXX  because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since  XXXX  I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XXXX / XXXX / XXXX  and in  XXXX / XXXX / XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XXXX / XXXX / XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX    office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX   Attacked  me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be removed My my credit file. As fo r I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX   XXXX     XXXX     XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on  XXXX   XXXX ,  XXXX  without authorization or consent.      2. Flag ship Credit Acceptance  3   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.      3.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.      4.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  Without authorization or consent.     5.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX . Both without authorization or consent.     I am asking for these unauthorized inquiries to be investigated and removed. I also think it 's fair that the derogatory effect be removed. I would like all my points back.     I have contacted all the companies via certified ma il and no one will res pond.

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