Re : Credit Inquiries To Whom If May Concern : Complaint XXXX and XXXX XXXX are submitting this complaint against the company known as Quicken Loan this company is in violation The Fair Credit Reporting Act section 604 under provision allows a consumer reporting agency to furnish a consumer report under the following circumstance and no other to a financial institution, that it has reason to intends to use in connection with a credit transaction involving the consumer under the provision and accordance with the language under fair credit reporting act section 604 accordance to this provision the financial institution must have written instruction from the consumer because, therefore without instruction the home loan institution known as XXXX XXXX XXXX is in violation of the fair credit reporting act section 604. 

History Violation On XX/XX/2018 Quicken Loans requested copies of my credit history from the credit agency ( XXXX XXXX XXXX ) and on XXXX XXXX without my knowledge and without my instruction Quicken Loan made a second inquiry request for copies of my credit history from the three credit bureau and on XX/XX/2018 a third request was made by Quicken Loans this inquiries by Quicken Loan under the company name XXXX  this unauthorized request may have negative impact against my credit rating ang score hard inquiries that was requested by Quicken Loan will remain on my credit file from two years and may impact my credit of credit score accordance to information received from the credit bureau. On XX/XX/2018 I spoke with XXXX XXXX a representative at Quicken Loan about this violation her responded was I XXXX XXXX have given Quicken Loan on all three inquiries. My request and respond to XXXX XXXX was a requested for validation that I XXXX XXXX had given Quicken Loan right to obtain three hard inquiries her respond was theres no way that proof of validation and there is no way to provide and answer to me that my permission was given by electronic memes or otherwise that I XXXX XXXX have or has because accordance to XXXX XXXX the permission given on the over the phone. 

Therefore, accordance with the conversation that was between XXXX XXXX of Quicken Loan and I XXXX XXXX if is my belief that XXXX XXXX is not knowledge and understanding of the Fair Credit Reporting Act and lack of knowledge of Consumers Disclosure Act that under The Truth Lending ( TILA ) under this provision there is consumer disclosures clause It is my belief that Quicken Loan record all in and outgoing call for quality for control and provide copys that information to me as a way by of validation therefore by not validate my request is a violation and accordance with the disclosure Act in the Election Act. 

In addition, Quicken Loan is in violation of practices that is prohibited under fair lending laws? Under the Equal Credit Opportunity Act and/or the Fair Housing Act, a lender may not, because of a prohibited factor : Failing to provide information or services or provide different information or services regarding any aspect of the lending process, including credit availability, application procedures, or lending standards. 
Discourage or selectively encourage applicants with respect to inquiries about or applications for credit. 

In closing, these are the following resolutions I require to resolve this matter : ( 1 ) Quicken Loan remove two of the three inquires from my credit file or  disclosure the information that was requested ( 2 ) Quicken Loan forward their reason for requesting multiple copies of my credit information knowing that the results of their action will not result in any changes ( 3 ) Proof that Quicken Loan have or has the authorization from I XXXX XXXX. 

I anticipate these matters will be handle in a timely manner Thank you. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Cc : XXXX XXXX Cc : XXXX XXXX Cc : XXXX XXXX Cc : XXXX XXXX Cc : XXXX XXXX XXXX Cc : XXXX  XXXX Cc : XXXX XXXX