Consumer complaint received 2023-02-01
Company: LD Holdings Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear CFPB & FTC, My name is XXXX XXXX XXXX XXXX and I am filing a complaint with XXXX XXXX XXXX as it relates to Home Buying and Loan Application procedures. 

After touring their homes in XXXX, Tx escorted by my Realtor, Certified, Negotiation Expert Agent XXXX XXXX provided through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The XXXX XXXX XXXX is partnered with XXXX XXXX XXXX XXXX XXXX And with representative XXXX XXXX sales counselor of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I became interested and referenced to them that I was XXXX and that I needed to use my reasonable accommodations through the home buying process with step by step clear instructions moving forward. I was then instructed to submit my pre approval letter to them from my bank institution XXXX XXXX XXXX XXXX and to fill out their loan application to qualify to buy one of their homes of my choice and provided me with a ESTIMATED COST OF HOME OWNERSHIP LETTER on a Conventional 30 Year as well as a FHA 30 Year and not a GOOD FAITH ESTIMATE or Closing Coat Worksheet based on the application approval. The Estimated Cost Letter did not provide any documentation of the Texas voters approved increased homestead exemption amount, reduction in elderly, or disable, tax limitation ( freeze ceiling ) for school districts as I requested. ( See attachments ).

Once I proceeded to apply with the loan I was then hit with a hard credit pull and no follow up feedback, letter of credit approval or denial, or termination. 

XXXX XXXX XXXX instead asked another financial mortgage lender to contact me by the name of XXXX XXXX XXXXXXXX XXXX XXXX affiliated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to get me approved and requesting for me to do another loan application hard credit pull impacting my credit score negatively. My next step with XXXX XXXX XXXX XXXX was to Upload my Purchase Agreement to continue to move forward with my loan and I have been delayed if that right. 

Resolution According to my rights I have under the Fair Credit Reporting Act ( FCRA ) : Consumers must be told if information in my credit file has been used against me. Anyone who uses a credit report or any other type of consumer report to deny my credit application must tell me why the in writing, and must give the name, address, and phone number to f the agency that provided the information. 

Secondly, I also have the right to know what is in my credit reporting file, therefore I request to obtain all the information about myself in the files of a consumer reporting agency that was used to process my application ( my file disclosure ) for free if adverse action has been taken against me because of the information in my credit report do to public assistance inaccurate information, and being a victim of identity theft and fraud. 

All consumers are entitled to one free disclosure every 12 months upon request from each XXXXXXXX XXXX XXXX  and from XXXX specialty consumer reporting agencies. 

Resolution in demand is for XXXX XXXX to produce the requested information as stated above under the ( FCRA ) : Let there be provide me with a Good Faith Letter of Approval ; Purchase Agreement and removal hard credit inquiry reporting by dispute with all Credit Agencies responsible their reporting credit information if I am being charged to do another application. I also request to use my reasonable accommodations under the American Disability Act and work with one point of contact who can provide step by step instructions, advocate, negotiate and help with paperwork.

I Believe that I have been a victim of home buying scandals and XXXX XXXX under the Equal Housing Opportunity Act. within my experience and search to become a homeowner. there are several misleading marketing and advertising words and documents being provided to consumers that do not align with the actual MTH Mortgage home buying company program which is against State and Federal Law. 

Kindly & Repectfully submitted.

Company response to consumer: Closed with explanation