Consumer complaint received 2021-03-03
Company: Social Finance, Inc.
State: WV
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, Over the past 12 months I have filed many disputes/complaints with XXXX and SoFi simply requesting information that is guaranteed to me by the Fair Credit Reporting Act. Section 609 of the FCRA -- -Section 1 -- - '' All the information in the consumers file ... '' and which would include the " ... Identification of each person ( including each end user ). 

Instead, XXXX and SoFi have refused to answer, stonewalled, or have given evasive replies that have nothing to do with the simple request. XXXX has gone as far as to completely ignore and not respond to requests by the Attorney General of West Virginia. 

Here is a timeline : XX/XX/XXXX CFPB number XXXX -- -I stated, " I've contacted XXXX via telephone multiple times, and they do not offer a way to request my credit report going back 6 years ... '' XX/XX/XXXX XXXX responded " Once we receive your complete identification information, we will promptly address you complaint '' and closed the complaint. 

XX/XX/XXXX I sent a letter requesting my credit record with pulls " as far back as possible or at least the 6 years as required by law. This was accompanied with the required identification. 

XX/XX/XXXX I get another letter from XXXX requesting identification. 

XX/XX/XXXX I sent a third request along with the necessary identification. 

XX/XX/XXXX I get another letter from XXXX requesting identification. 

XX/XX/XXXX I send another letter to XXXX stating : Sirs, You indicate we were unable to honor your request or a portion of based on the limited amount of information regarding your dispute but they do not say what information is necessary for you to complete your legal obligation to provide a complete history of my hard and soft credit pulls. 

Per your instructions on my last request you were provided a copy of my drivers license and a utility bill. This time I have included a copy of my drivers license and my United States passport. Also, instead of just one copy of a utility bill I have provided 4. 
At your convenience please provide a complete history of my hard and soft credit pulls. 

My address for the last 20 years has been XXXX XXXX XXXX XXXX, XXXX, WV XXXX. My social security number is XXXX and my DOB is XX/XX/XXXX. 


XX/XX/XXXX I receive a letter from XXXX which once again fails to address the issue but is a simple credit report. 

XX/XX/XXXX I file a complaint with the State of West Virginia Attorney General. 

XX/XX/XXXX I receive a letter from XXXX XXXX at the West Virginia Attorney General indicating they have contacted XXXX on several occasions and have not received a response. 

XX/XX/XXXX I file another complaint with the CFPB number XXXX indicating that XXXX " continues to provide my financial data to parties that do not have legitimate purpose ... '' XX/XX/XXXX XXXX replies " ... you are requesting the inquires to be deleted ... '' This was never requested! 

XX/XX/XXXX I send the following request to SoFi. Please keep in mind, I do not meet the marketing profile of SoFi and I have never received any solicitation from them in spite of the 30 times they have used my data from XXXX. 

Hello, Your company, Sofi Lending Corp. has pulled my credit report at least 30 occasions in the past 3-4 years using the XXXX CRA. Your representative on XXXX indicated this might be as the result of a marketing campaign though I have never received anything from your company. 

At your convenience and as required by the Fair Credit Reporting Act, section 607 please identify each end user of the resold report ( information ). And for what legitimate purpose is my credit report being used for as required by section 604? 

Enclosed is a copy of my Drivers License and two utility bills. My social security number is XXXX. 

You may contact me by email at XXXX or call me at XXXX. 


XX/XX/XXXX SoFi responded : " We are unable to locate any record of your name at the address provided. '' I have lived here for almost 30 years and they have accessed my data at XXXX 30 times in 36 months. Stonewalled again! And they go on to say they have removed me from their direct mailing list " ..though I may receive one or two more due to mail lead times ... '' Considering I have never received any mail from SoFi I doubt that will happen. 
And obviously I did not make the request to be removed. 


So, this is what I want, it is simple, which is quoted directly from the Act itself : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request The initial request was XX/XX/XXXX. 

And from the date of the initial request and to what legitimate purpose is the use of the report : ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. 

My identifications are uploaded. 

Any questions plz dont hesitate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation