Consumer complaint received 2021-12-19
Company: HomeTown Lenders, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today is XXXX XXXX My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 

RE : Unauthorized certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiry ( ies ) by Original Creditors on my Credit Reports Dear CCR/HOMETOWN LENDER INC In the course of recently screening my personal XXXX, XXXX and XXXX credit reports, I observed what obviously appears to be likely some unauthorized credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquirydeficientof true Permissible Purpose that REQUIRES immediate and permanent deletion : CCR/HOMETOWN LENDER INC , XXXX XXXX XXXX compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or elseannulvia full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.

To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting. 

Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. 
To that end, further I am also requesting that they remove any and all of my personal information from their recordsin case it is needed to locate the potentially injurious and fraudulent inquiry in their system. 

I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.

I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.

I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. 
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowablesuablemonetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today. 

In genuine sincerity, My First and My Last name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation