Consumer complaint received 2018-12-03
Company: Stearns Ventures, LLC
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:
Hello, I am looking deeply into my credit reports now as I am on verge on buying a house and all mortgage companies refer to credit report as important parameter to decide providing loan as well as to decide what rate of interest I will fit into.

I am from XXXX  and first time house buyer and was not aware such serious implications of credit scores and reports on my capability to purchase house.

When I investigated my credit report, I found many credit enquiries on my report that I DO NOT RECOGNIZE AT ALL. I have never provided written authorization to any of these companies to run my credit and there is no reason for any company to run credit on me as I do not open any cards or did not go and purchased anything during this time frame that needed credit score run.

Following are the list of credit enquiries on my XXXX report that I DID NOT AUTHORIZED and NOT PROVIDED ANY ORAL OR WRITTEN APPROVAL TO RUN THEM : 1, XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 2.  XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX 4. XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX 5. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXXXX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX All enquires seem to be this year, I have authorized only Informative Research to run some enquires Also, following are enquiries on my XXXX report that I did not authorized : XXXX XX/XX/XXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX enquiry is made by STERNS LENDING CORP. The lady on the phone kept talking and told me I doing soft search so nothing will be coming on my report, then she run full score WITHOUT MY CONSENT and then leaves the company.

When complained to Sterns lending they accepted mistake by their company and told me they will reverse the enquiry. After repeated follow ups by several emails with Stern lending company officers he did not completed the taks of reversal of their employees faulty enquiry though I told them I might have to go to legal route if they do not take care of wrong enquiry made by their employee.

On XXXX XXXX, I had a complaint against the merchant XXXX XXXX who falsifying opened XXXX XXXX financing account when I did not asked for it. On top of that XXXX XXXX RUNS TWO CREDIT ENQUIRIES!!! Since this particular financing option was NOT AUTHORIZED BY ME, both the enquires made by XXXX XXXX need to be removed from my report.

I have no idea who is XXXX OR XXXX and why they are running credit enquiry on me during may this year. Please note I am staying in same apartment from last one and half year so there is no question that my renter has run credit and I did not open any card or did any purchase with credit enquiry.

Also following enquires on my XXXX Report are NOT AUTORIZED BY ME : 1. XXXX/XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX / XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. XXXX XXXX : :XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX

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