Consumer complaint received 2020-08-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUOFF MORTGAGE (IN)

This is the letter I have sent to all three of the Credit Bureaus in an attempt to remove the hard inquires due to the negligent and dishonest practices of XXXX XXXX/Ruoff Mortgage. 

RE : Request for Investigation of Unauthorized Credit Inquiries To whom it may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed numerous unauthorized credit inquiries had been made. 
I contacted XXXX XXXX XXXX who conducted the inquiries, I requested they remove their credit inquiries from my credit profile. XXXX XXXX, the SVP Chief Lending Officer for Ruoff Mortgage, reached out to me following my report of misconduct to the XXXX XXXX XXXX. XXXX XXXX was the assigned Mortgage Loan Officer. In my attempt to purchase a home by means of a USDA loan, numerous hard inquiries were recorded on my credit report by XXXX XXXX XXXX, there should have only been one possibly two. The dates range from XX/XX/XXXX through XX/XX/XXXX. I gave my authorization for only one inquiry, dated as XX/XX/XXXX. The remaining dates were not authorized by me, nor was I aware of the issue with my credit report nor the repeated checks of my credit. I did not receive any verbal or written notification of these inquiries. My score was never reported by XXXX, because all three scores are a requirement for the USDA loan, the pre-approval letter given to the selling agent by Mr. XXXX, was fraudulent. I was given verbal/written confirmation of my pre-approval, I provided tax returns/bank statement, a credit report was pulled, I made an offer on a home that was accepted therefore the home inspection was order/repairs completed, appraisal ordered. I was only waiting on Mr. XXXX to relay the closing date. I ceased all contact with XXXX XXXX on XX/XX/XXXX, as he was too busy opening offices in XXXX to respond to my concerns, due to his lack of knowledge regarding the issue and his entire disregard in my attempt to purchase a home. He did not even reach out to officially notify/contact me the day of my loss of the house. That being said, it is not possible I authorized any of the repeated inquiries into my credit. Mr. XXXX reimbursed me for the payment I made for the home inspection as well as a {$200.00} payment to a credit repair agency, XXXX XXXX, XXXX as an attempt to make amends for the numerous, unnecessary marks on my score as well as reimbursing for other debts I acquired while attempting to purchase a home through his company. I have also notified the FTC, CFPB as well as the Indiana Attorney General. 
I request that you initiate an investigation into XXXX XXXX XXXX inquiries on my credit report to determine who authorized the inquiries. The dates I did not authorize are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If, once your investigation is complete, you find my allegations to be true, please remove all inquiries I did not authorize and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter