Consumer complaint received 2020-02-17
Company: Blue Global Media, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Peace. I'm XXXX. The XXXX-year-old doesn't know a language ( everything XXXX translates ). On XX/XX/2020, in the morning, I saw a loan check on XXXX XXXX 's site. No credit impact. This is how it was written on XXXX XXXX 's site. So I just checked. And immediately I got an email that I wasn't approved for a loan. And they checked my credit at XXXX XXXX. I immediately wrote an email and sent it to them. I don't want a loan. Why did they use my credit to apply for a loan I never even attempted to apply for. Please take care of it. XXXX XXXX. 

Attached is the email that they sent me, which shows that they referred to my credit in XXXX XXXX and didn't approve of a loan I didn't apply for. And again, I'm saying that I don't want a loan, and I never even attempted to apply for a loan in the first place. I simply wanted to check what the interests of the loan were, just like it was written on your website. Thanks. 

I would like to mention that I also spoke to XXXX XXXX today, through the phone. And I also told them about the situation, and they left a note about the situation in my account. 

I will send another message which will include the email from eloan because I can't send it with this message. 




-Gmail label : -- 2 3 Notice of Adverse Action x Eloan  XX/XX/2020, XXXX ( 1 ) : Eloan  XX/XX/2020 XXXX  , a Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR  XXXX Dear XXXX XXXX, This letter is in response to your recent request for a personal loan offered by Eloan, a Division of XXXX XXXX XXXX XXXX XXXX . We can see that you applied for a loan with us on XX/XX/2020. Your application was not approved. Our decision was based in whole or in part on the following : - Our files or information supplied by you. 
- A report from the consumer reporting agency described below. 
You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. There will be no charge for this if you contact them within 60 days from the date of this notice. After this term, there will be a modest charge for this service. The reporting agency took no part in our decision and is unable to supply the specific reasons as to why we have denied credit to you. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.A. XXXX Toll Free Number : XXXX - An outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to request in writing within 60 days of the receipt of this notice for a disclosure of the nature of this information. 

We obtained your credit score from XXXX and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can  change, depending on how the information in your consumer report changes. 
Your credit score : XXXX Date : XX/XX/2020 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Length of time accounts have been established, Lack of recent installment loan information, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, Too many accounts with balances If you have any questions regarding your credit score, you should contact XXXX  XXXX at XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, P.A. XXXX Toll Free Number : XXXX If you would like a statement of specific reasons why your application was denied, please contact our Application Review Manager within 60 days of the date of this letter. The contact information is below. We will provide you with the statement of reasons within 30 days after receiving your request. 

Eloan Application Review Manager XXXX XXXX XXXX XXXX, Suite XXXX XXXX, IL XXXX Telephone : XXXX All unsecured installment loans issued through Eloan are made by XXXX XXXX XXXX XXXX XXXX, member FDIC. 
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : The Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXX Washington DC XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 

Have questions? Give us a call. We're here to help. Our number is XXXX. You can also send us an email at XXXX. Our team is available 7 days a week from XXXX XXXX  to XXXX XXXX   CT. 
Stay updated! Make sure you add XXXX to your email address book to make sure our emails don't get caught in spam folders. 
Eloan is serviced by XXXX. 
Eloan is a Division of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is the lender of your loan and Member FDIC.

Company response to consumer: Untimely response