Consumer complaint received 2023-07-14
Company: Mortgage Research Center, LLC
State: MD
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my husband sent XXXX specs on XXXX XXXX XXXX XXXX XXXX We'd selected three homes for virtual appointment. On XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX placed on contract over the week-end. Once XXXX and I took virtual tour, XXXX shated six home lots were still available. XXXX & I selected Lot XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA with XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have an approved lenders list where XXXX XXXX XXXX listed that I do personal banking with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX not allowed to pursue mortgage loan or loose $ XXXX builder incentives. Issue # XXXX. By XX/XX/XXXX, my loan application & documents were uploaded. On or about XX/XX/XXXX ; XXXX XXXX,. XXXX XXXX, XXXX XXXX transferred my loan package to XXXX, Branch Manager ; XXXX XXXX XXXX XXXX XXXX & Sales Agreement amended to reflect Veterans United as an approved lender. 
Issue # 3. Community home development specs XXXX XXXX have XXXX XXXX XXXX others XXXX XXXX. XXXX will only pay up to $ XXXX for public sewer connection. Issue # 4 : Requested XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Buyer Agent Cedar Ridge Bylaws inclusive of verbal & written responses. To date, verbal responses only received. Issue # 5 : XXXX, initial Veterans United loan officer XXXX XXXX transferred my loan package to XXXX. XXXX approval list XXXX, XXXX XXXX XXXXXXXX XXXX causing soft & hard credit checks w/i XXXX business days. Preapprovals letters issued XXXX 's between XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA loan officers to XXXX XXXX, XXXX XXXX XXXX XXXX. As a XXXX XXXX XXXX honorably retired veteran ( XXXX ) & XXXX, my spouse is a XXXX. XXXX retired veteran ( XXXX ). My perception of discrimination of VA XXXX application & my age which had incorrectly listed my age as XXXX XXXX XXXX. I notified XXXX of the error. Issue # 6. I was upfront with Veterans United regarding Debt/Income Ratio @ 74 % credit card debt listed as 'omitted. To lower and to prevent denial of mortgage loan ( XXXX ) credit cards XXXX, XXXX XXXX, & XXXX XXXX XXXX would be & have been paid in full. Instead on XX/XX/XXXX ; XXXX ran hard credit report which reflected XXXX @ 74 % ahead of credit card payoffs. Issue # XXXX. On XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX requested me to submit IRS transcripts due to not being sure which transcript would be required by XXXX XXXX XXXX IRS XXXX XXXX Account or Account transcripts to reflect payment plan history of payments. Issue # XXXX. On or about XX/XX/XXXX, my source of funds to pay off credit cards requested to ensure $ XXXX hadn't been borrowed to pay off three credit cards. Providing XXXX XXXX XXXX proof exposes funds remaining within my annuity account.

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