Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUMMIT FUNDING, INC.
State: NC

Complaint narrative:
" Anyone who uses a credit report or another consumer report to deny for credit must tell you give you the name address and phone number of the agency that provided the information. '' I have the Right to dispute inaccurate and incomplete information. I have a right to know my credit score I am on public assistance. I applied for a FHA 203k Rehabilitation home loan. I sent all original documents to this lending business. They were told up front that I receive SSI. I let them know up front of my XXXX and that the law states for FHA 203 k Rehabilitation home loans that credit worthiness can be checked by rent payments utilities bills showing payment history of being able to make repayments on time and also that I have a NC able account used for qualified housing expenses. Summit funding Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX. Complaint on XXXX XXXX XXXX XXXX NMLS  # ID XXXX and assistant XXXX XXXX from summit funding, Inc. XXXX , NC. " Credit worthiness require a " Determination of the applicant 's ability and willingness to meet their debt obligations. Ability Income availability and reliability. Ability and Willingness to pay are critical to credit worthiness approval. I am filling a Discrimination suit. I already had a fraud alert report # XXXX filed complaint against XXXX XXXX from a separate case prior to this for unethical real estate business practice for stealing {$19000.00} from me she was guilty of identity theft and identity fraud from XXXX XXXXs XXXX XXXX XXXX XXXX, XXXX NC XXXX ( XXXX complaint Case # XXXX Ref # XXXX ). XXXX XX/XX/XXXX. This took 2 and a half years to clear up my credit. Because I have XXXX debt. No debts. I feel my credit report has been misused because I had a credit score and now it is reading an 8 for no credit. I filed this separate complaint of XXXX XXXX from XXXX XXXX from XXXX XXXX XXXX XXXX ) She illegally used my named used real estate fraud and billing fraud. I had to contact XXXX   XXXX and XXXX then that was resolved. Yet, now most recently two weeks ago around XX/XX/XXXX XXXX XXXX XXXX   XXXX Would not give me an accurate credit score. I feel there is still some fraudulent activity because my score when I cleared up the identity theft and identity fraud in XXXX I had a XXXX XXXX XXXX XXXX  locked me out of my account and I am unable to see my credit score. These individuals that have been illegally using my credit data and account for criminal activities and personal profit must be held accountable for fraud and fraudulent activity. I have no debt always pay bills rent on time. Obviously I can not get a credit card I am on Supplemental Security Income. I have a NC able account that allows to pay and save for Qualified expenses as housing and transportation expenses. I have been a victim of fraud. Any will not ever allow these individuals to continue illegal business practices. Most recently, my complaint is Discrimination suit against Summit Funding, Inc. XXXX XXXX NMLS # XXXX and her assistant XXXX XXXX XXXX I provided thorough original documents that were needed to complete the FHA 203 k loan for Rehabilitation under Federal Housing and Urban Development program which is FHA 203k program for persons with low or very low income. Summit Funding Inc States they are an equal lending agency. With XXXX XXXX this was not the case. She first of all never returned my calls it took over 2 weeks. I am already in the works of buying a house and this does not help any Revitalization program under U.S. federal law. Mistreating people because my financial circumstances are different based on my XXXX is not equal nor fair lending practice. She XXXX XXXX did not follow the law or business practice to make an official determination of my loan to be approved. I had to work with 3 other loan officiers before talking with her. She so abruptly rushed me off the phone as I already had explained my concern of my XXXX and proof of credit worthiness as a requirement to go through with the FHA 203 k loan for first time home buyer. She said they use to use those credit requirements but it had changed due to co vid then I let her know that with my case of my loan FHA 203 k based on equal and fair lending ethical practice that she had to do a credit check non conventional based on my XXXX as an SSI recipient. She didn't not even tell me my credit score went on to say that we don't do that for FHA loans I explained again to her that this was a FHA 203 k not a FHA completely different. She said credit requirements just changed for no legal reason and then laughed and said I just XXXX a credit union in XXXX NC maybe they will do a layover. Some credit union do layovers with their credit checks. Then she said get a premier credit card. Obviously she/ he XXXX   XXXX XXXX lacks knowledge nor experience on legalities of equal and fair housing business practices, and is ignorant of there are all types of people that have different circumstances. I can not even apply for a credit card low income on SSI that defeats the purpose and is a hypocrisy on the whole point of my XXXX and the main reason these HUD programs were made for persons as myself. But when you have lenders or supposed loan officiers running illegal scams or scandals using fraud or not following through with their job duties under equal and fair housing federal and state laws you have to unfortunately deal with individuals such as XXXX XXXX and XXXX XXXX who only want a quick pay check only want to deal with what is easy not follow any laws according to a specific loan and can only serve whom they want on their borrowed time. This is malpractice and goes against the whole establishment of why a FHA 203 k was put as a loan for persons as myself. When you have unfair and unethical business practice which is called real estate malpractice you must report and file a complaint and suit because even though there are still good employees and hard working Americans in every field and every industry, you always will have the degenerate who thinks they can scheme whatever which way or won't follow set rules guidelines and even laws that govern to protect people from degenerates as these. So in completion XXXX XXXX did not help me in any way a waste of my time and she is a waste to the company she works for at summit funding inc. I am filling a Discrimination suit and need my credit score checked and my credit file sent to me. I have XXXX debt O accounts O. I feel since the 1st case with XXXX XXXX and up until now with all the credit reports I ordered and paid for as well as XXXX XXXX   someone fraudulently changed my credit score. I have a right to get my accurate score.

Company response to consumer: Closed with explanation