Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 Dear CFPB, On XX/XX/2022 I proceeded to move forward with the submission of an property address to the loan officer XXXX XXXX # XXXX as well as worksheet of the mortgage cost of the property from XXXX XXXX XXXX. 

I requested for the loan officer to provide the true cost of the loan but was yet sent a Estimated Closing Cost Worksheet with extra added interest & fees one being for another Credit pull for {$20.00}, and Appraisal Cost included. I was told that XXXX XXXX XXXX XXXX covers appraisal cost but yet they choose to apply the fee to me, I was told that I had 120 days before needing a new credit pull. The 120 days would have been dated exactly on XX/XX/2022 the day I via emailed requested documentation of the loan XXXX # XXXX. 

I am consistently being denied the right to use my reasonable accommodations in this matter regarding an extension of time to read, retain, process, and comprehend to the understand the XXXX XXXX XXXX XXXX terms and loan mortgage steps within the loan mortgage process. 

In regards to submitting the request of the loan officer XXXX # XXXX I did come close to the 120 day mark and do not feel as though I should have to be charged for another hard Credit pull that will affect my credit score and in the decision of other loan officers and underwriters to loan me any requested amount to obtain a home as a First time Home Buyer, when my reasonable accommodations under the respect of the American Disability Act ( ADA ) have not been considered in this matter. 

I have asked in several conversations to loan officers assigned to my loan account number # XXXX including the resolution officer currently working with XXXX XXXX, # XXXX which there have been several attached to my profile in the XXXX XXXX XXXX XXXX online system being used XXXX XXXX that also has been technical issues with as it is not updated, to use my accommodations and where I could submit them to in order to be considered and still no response as it relates to this matter, but yet a persistent dispute to pull my credit. 

Resolution I am requesting that XXXX XXXX dispute the inaccuracies of my Credit Report that they have pulled more than once and remove the discrepancies correcting all issues. I do not want my credit report pulled until these issues are resolved please review uploaded attachments of everything highlighted and showing documentation. 
Loan number # XXXX, XXXX XXXX is playing around with loan numbers using the same credit report every time I apply for a mortgage loan with them without correct and disputing the inaccuracies as well as not considering my reasonable accommodations. 

Secondly, I am also requesting that XXXX XXXX XXXX XXXX pursue to update there online Software and Hardware requirements to support the operation functioning, new versions of operating systems and web browsers for better successful access to XXXX XXXX XXXX XXXX mobile and online banking products, an app and platform to become more efficient and responsive to those of disabilities. 

Lastly, to build the use of friendlier apps that promotes reminders ; step by step instructions accordingly to policy & procedures highlighted in Red ; online copies of the application and signed documents ; Green notifications to indicate that every step by step process has been completed ; and forms that document & communicate and record agreements of information regarding disability reasonable accommodation requests of the disabled consumer to XXXX XXXX XXXX XXXX and any employed representation for consumers protection of their equitable rights under the ( ADA ) in place in the United States of America to be used. 

Lastly, I am requesting to be in contact with the Communications Department Team of the XXXX XXXX XXXX XXXX lending business. As it relates to receive proper Disclosure protocol with electronic communication, agreement to receive electronic communication, products and services, access to disclosures and requesting paper copies, termination & changes, and consent provisions that have been in violation of me by law, regulations or rule provided to me in writing. 



And I would also like this information sent to HEADQUARTERS & PRESIDENT & CEO XXXX XXXX, please consider this matter to be affective and in motion for changes to be made. 


Review on my behalf : CFPB whos role in this matter is to make sure that I am being treated fair by banks, lenders and other financial institutions. 


Kindly.

Company response to consumer: Closed with explanation