Consumer complaint received 2021-05-13
Company: Social Finance, Inc.
State: WV
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:
XX/XX/XXXX Once again complete lack of response from XXXX 

On XX/XX/XXXX I received a notification from the CFPB regarding complaint ID XXXX indicating that the complaint lists someone the company does not recognize as their customer or their customers authorized representative and XXXX requested my authorization to investigate. My authorization was promptly given via the CFPB website. Since, I have received no response from XXXX  regarding this investigation. In my dealings with XXXX they have exhibited a history of evasiveness, stonewalling and complete lack of response, including not responding to multiple inquiries of the WV State Attorney General as well as refusing multiple requests to send my complete file as required by section 609 of the FCRA. Specifically but not limited to I want to see the entire history of inquiries with end users especially after the excessive activity of SOFI Financial. 

And to make matters worse, in XXXX of XXXX I received suspicious emails that appear to be from both XXXX XXXX XXXX and XXXX XXXX indicating a security breach and that these accounts would be closed if I didnt respond. The thing is these accounts were closed over ten years ago. My question is, has XXXX or SOFI ever provided my information to employees of XXXX XXXX XXXX, XXXX XXXX or any other financial institution? 

Furthermore, the response from SOFI on XX/XX/XXXX is total nonsense. Though they are unable to locate an account for me they have accessed my data 30 times as indicated by the XXXX  online reports. XXXX says they have only done 3 soft pulls over this time period and want me to contact XXXX regarding these inquiries. But SOFI says, according to our records, we have sent 27 mailers to your address I have never once received a mailer from SOFI or meet their client profile. 

Considering the evasiveness, lack of response, excessive and clear irregularities, I need some answers from both XXXX  and SOFI. If I dont receive within 15 days answers to these questions I will make certain that this file crosses the desk of the Enforcement Division of the Consumer Financial Protection Bureau and if that is not good enough we will move the FTC. 

XXXX  I want my complete file which is my right under FCRA Section 609, as of the effective date of the last complaint and as the section requires Identification of each person ( including each end-user Second, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution not listed on my online report? If so what was their legitimate purpose in accessing my financial data? 

SOFI, since you have such historical detail regarding accessing my XXXX  data, and considering XXXX does not want to fulfill their obligation, tell me how you got my social security number, and when did you start sending me mailers and accessing my data? Lastly, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution? 

I look forward to your response. My identification is attached,

Company response to consumer: Closed with explanation