Consumer complaint received 2020-10-27
Company: UMPQUA HOLDINGS CORPORATION
State: OR
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:
The fact that they ran the credit on multiple dates or on the same day, multiple times, can be verified in their response. I authorized to have my credit ran only once and not multiple times. I filed the complaint and asked that the duplicated inquiries be removed : XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are supposed to make sure the information they provide is accurate and up to date. Because mistakes in these reports are common, the FCRA also gives consumers the right to disputes errors on their reports. The credit reporting agencies have 30 days to investigate the dispute and make corrections, urgent removal of unauthorized inquiries. Consumers also have the right to seek damages, due to the violations of the FCRA, class action suits, for damages that have been caused due to deceit on your behalf of the organization or reporting agency, with negligence during the current COVID-19 Pandemic, another form of abuse. 
In checking my credit for errors, I found that you, Umpqua authorized XXXX to run my credit on several different days. Under no circumstance would I have authorized you to have my credit ran on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

It would be great if you cleared this matter up, and if not, then I will take the next step with CFPB. Due to erroneous errors on behalf of organizations such as yours, running multiple credit checks, this is damaging to individuals ' credit scores and you did not have the authority to do this.

Simply stated, I authorized Umpqua Bank to run " 1 '' credit check, not two, and not 3. Fix your errors or let me know how you would like to proceed. Several inquiries and two individuals, I believe that my rights have been violated, perhaps identity theft and therefore requiring a fraud alert that will need to be placed on my credit profile, and the fraudulent transactions that have occurred on my credit profile, and I have the right to ask the consumer reporting agencies to block your information as a result of identity theft. 

Second, I did not authorize XXXX XXXX  to have my credit ran on three occasions, the same day, perhaps this was done within minutes of each, possibly, who knows! I submitted and requested to have my credit ran once, not two, and definitely not a third time and on the same date. 

Umpqua Bank, XXXX XXXX, XXXX, need to be held accountable for their actions. This is damaging to my credit, it involves several organizations, and two individuals, that consent for a class action suit for damages.

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