Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: CA
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:
https : XXXX On XX/XX/2022, I started the process for a Home Loan with Wells Fargo XXXX All went through successfully. 

But, last week ( XX/XX/2022 ), the Loan agent contacted me ( using the XXXX XXXX we both work at XXXX XXXX ) saying that the Loan has been expired and in order to renew it they would need to do a new Hard Inquiry on my Credit Report. 

I have a screenshot of this conversation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Tuesday this week ( XX/XX/2022 ), he contacted me again saying : Good afternoon i wanted to confirm about the re pull credit is it ok? 
please confirm today? 

And I answered : Hi! Yes I would confirm you today. Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Nevertheless, like XXXX mins later, I got a notification in my phone that a Hard Inquiry was made. I contacted the Loan agent again right away : Me : I just got an alert that a hard inquiry was made, why?

Agent : I asked you to confirm i you wanted me to repull credir or the application because the last one expired. you said yes you confirm today. 

Me : Hi! Yes I would confirm you today. Thank you! < -- -- I say yes, I would CONFIRM today. 

Agent : my apologies i thought you were confirming yes Me : You can reverse it or I need to open a dispute? 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I contacted XXXX about this, and they told me that I would need to send them a copy of a Deletion Letter provided by the Creditor. 

Then I contacted my loan agent again ( this time by e-mail ) telling him what XXXX told me and requesting a Deletion Letter. 

Today ( XX/XX/2022 ) I received his answer : Good morning! I spoke with my manager and he stated that he doesnt think any has the ability to write a letter. you gave us permission to pull credit at the beginning of the process. We did not need permission but was just informing him. The misunderstanding is unfortunate but it is up to you to dispute the pull with the credit bureau. I escalated complaint has been filed. 

XXXX XXXX Mortgage Processor ( LO ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - So, they won't provide me with the requested document ( Deletion Letter ) and that is why I am filling this complaint with the CFPB. 

Please help me with this, my credit report already took a XXXX hit because of this unauthorized Hard Inquiry.

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