Consumer complaint received 2016-12-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Secured Marketing Concepts Corporation (AL)

I pulled my credit report for credit monitoring XX/XX/2016. I happen to notice an inquiry on my credit report that I did not recognize. Therefore, I sent a certified return receipt letter, which I have attached a copy of for your viewing to XXXX XXXX XXXX at the address they had listed with the XXXX credit bureaus : XXXX, XXXX and XXXX. However, they never provided any information baring my signature that I am the one that authorized this hard pull on my credit. Therefore, I recently called them on Monday, XX/XX/2016 and spoke directly to a representative at XXXX XXXX XXXX at phone number XXXX. I explained to the representative that I sent them a certified letter and that I have not heard back from them, nor have they removed the credit inquiry off of my credit report. The representative forwarded my call to XXXX XXXX, who was out of the office, so I had to leave a message. Later, that afternoon, on XX/XX/2016, I followed up with XXXX to find out the update on my request of providing me valid proof baring my signature that I authorized XXXX XXXX XXXX, to pull my credit, however, at the time of speaking to XXXX, I found out some astonishing news that was very disturbing to me, and which violated FCRA laws : 1. ) XXXX informed me that XXXX XXXX XXXX did not pull my credit report, however, she said it was a third party, who 's name she mentioned to me was Pacific One Lending in XXXX XXXX, California. I was provided with their phone number of XXXX and XXXX. I was informed by XXXX that Pacific One Lending is their client, and that they ( XXXX XXXX XXXX ) offer this service to her clients for a minimal package price. I informed XXXX that I NEVER AUTHORIZED XXXX to sell my information, nor did I authorize Pacific One Lending to run my credit! I informed her that XXXX XXXX XXXX was in violation of the FCRA, and they have violated my rights. I informed her that I wanted this removed off of my credit file immediately with all credit bureaus. However, she informed me that they ( XXXX XXXX XXXX ) was not allowed to remove the credit entry from the credit bureaus. I explained to her that I was not understanding her position, because it was XXXX XXXX XXXX 's name that was attached to the inquiry under my social security number, and I did not see Pacific One Lending anywhere on my credit report. I asked XXXX to provide me the document once again baring my signature authorizing either company to pull my credit, and she said she would need to contact Pacific One Lending for the authorization that she did not have it on file, because she claimed that they are not required to have it on file, because they did not pull my credit report, it was Pacific One Lending. Therefore, I explained to her once again that she and XXXX XXXX XXXX was in violation once again of the FCRA, and that both companies have violated my rights as a consumer, because their name is showing up on my credit report as a hard pull entry that I did not authorize. 
I have since contacted Pacific One Lending and spoke to one of the owners, XXXX. He said once he got into the office he would work on this complaint, however, I have yet to receive a document baring my signature that I authorized Pacific One Lending to pull my credit.