Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Angel Oak Mortgage Solutions LLC (VA)

On XX/XX/2022, I received an email notification of a new inquiry on my credit report. The inquiry had been completed the same day by " XXXX XXXX ''. I called XXXX XXXX and they advised that the inquiry came from Angel Oak Mortgage Solutions. I attempted locate a phone number to reach out to Angel Oak for more information but they have limited contact information. At this time, I confirmed with my spouse that their credit had been ran as well. We then reached out to our mortgage broker about the inquiry and he advised he would reach out to Angel Oak to see what the problem was. 

On XX/XX/2022, we received two emails from Angel Oak. One advising that we have been pre-qualified for and subsequent email from a sales representative, XXXX XXXX. I called XXXX XXXX and asked how they obtained our information since we are not interested in a mortgage at this time. He advised that he is provided a list of interested loan applicants. I again advised that we are not interested in a mortgage and requested to speak with his supervisor. He refused to provide a phone number for his direct supervisor and when he was pushed to provide a phone number so that I could speak with someone directly, the phone number provided ( XXXX ) that allegedly belonged to a " XXXX '' who was a sales manager, would not work unless an extension was provided. 

I then followed up with our mortgage broker and advised of the exchange on the XXXX and he advised that when he reached out to his contact who is on the " wholesale side '', the contact advised that their side did not run the report but that it came from the " retail side ''. Our mortgage broker indicated during this conversation that he would attempt to obtain more information. We reached back out to our broker on the XXXX for an update and he was looking into it. 

As we strongly believe our broker has nothing to do with this situation, I emailed Angel Oak Solutions on XX/XX/2022 requesting to speak with someone directly. Our email exchange was not exactly the type of response we were looking to receive by their Chief Marketing Officer, XXXX XXXX. My contact information was passed on to XXXX XXXX, XXXX of the Consumer Direct division. I received a call from XXXX XXXX who immediately advised that they did not run our credit and thought it was a better idea to try and explain to me how their sales representative obtained our information. XXXX XXXX was only interested in explaining how their process works once they receive notification that someone is interested in a loan and that the first email I received from them confirmed that they ran our credit, which is in compliance with government regulation. This was not a pleasant conversation and I felt as though XXXX XXXX was only looking to make excuses as to how this could not have possibly come from their company. I advised that all we wanted was for them to look into who ran the credit inquiry but he advised that I would essentially need to do all of the leg work. This is unacceptable. 

I called Credit Plus again on XX/XX/2022 and confirmed that the credit inquiry came from Angel Oak Mortgage Solutions. The representative could not advise who specifically requested the inquiry and could only provide a phone number of XXXX. This number goes to a system generated message advising the mailbox belongs to XXXX XXXX ( unconfirmed spelling ). I did not leave a message as the mailbox did not identify as belonging to anyone at Angel Oak Solutions.