Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> ( XX/XX/year> ) XXXX XXXX XXXX ran a Hard inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which XXXX XXXX XXXX ran a hard inquiry for an FHA loan, then her company ran my credit again making that XXXX hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend XXXX XXXX XXXX  to me because he used this company for his VA home loan. I was told by XXXX XXXX XXXX  they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on XXXX, Experian, and XXXX be removed from my credit report for the following reasons : XXXX. This hard inquiry was Unauthorized. 
XXXX. This company gave out personal information to a third party without authorization. 
XXXX. This company refused to give me the results of the inquiry. 
XXXX. XXXX XXXX XXXX  refused to remove hard inquires from All three ( XXXX ) credit bureaus when requested. 

A. 1 inquiry on XXXX XX/XX/scrub>XXXX XXXX XXXX inquiry on XXXX XX/XX/year> XXXX XXXX inquiry on XXXX XXXX XX/XX/year> XXXX XXXX inquiries on Experian XX/XX/year>, XX/XX/year> I have requested the XXXX and mortgage information 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a VA home loan I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a XXXX XXXX XXXXXXXX XXXX XXXX  should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA XXXX and give up all the benefit 's XXXX XXXX XXXXXXXX has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX to have my VA loan thrown aside because your employee made a mistake, XXXX XXXX XXXX is a lot better than a FHA XXXX. It just doesn't make sense what your company tried to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation