Consumer complaint received 2018-02-06 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: Risecredit, LLC
State: MO

Complaint narrative:
I opened a user account at risecredit.com when I contemplated seeking a loan in XX/XX/2016. At the time, I was working at a company called XXXX XXXX XXXX, and included this information in the application I started. I ultimately decided not to pursue the loan, and closed the site. 

In XX/XX/XXXX of this year, a mistake in payroll left me scrambling, so I remembered Rise and ultimately decided to pursue a loan. I had changed employers, so I put in the correct information on my application that I worked for XXXX, had gotten a substantial raise, and looked for a phone number on XXXX to be used to verify my employment. I had also moved to a new address, since I bought a house, and updated that information as well. 

I checked everything over for accuracy and submitted the application. Immediately I was called to verify my identity because of a fraud alert. I did so successfully. Then, I was asked to verify my bank account via an online company, which again, I did so successfully. 

Several days passed, and I started receiving emails for further documentation, such as my driver 's license, XXXX, paystubs, electric bills, bank statements, mortgage statements, and more. I provided this information multiple times, daily receiving emails that they were still missing the information. I decided to give them a call, and the CSR I spoke with informed me that the information on the application did not match the information I was giving them, other than the XXXX ( which had been from the year prior from XXXX  ). I was quite confused, and said that I had updated my address and employer to the new one in their application, and the CSR apologized for the system error and said he would fix it and I'd hear back on an approval in the next 48 hours. 

Instead I received an email informing me that they were unable to verify the information I gave them because of a lack of documentation. So, I called again. The CSR was incredibly rude and said that I falsified information on my application, which is why I was denied. I informed him that I did no such thing, and that I had properly updated to my current information, which included a {$2000.00} a month increase in pay rate, so the idea that I wouldn't have is outrageous, especially given the fact that it doesn't pre-fill information on the application from their database. Oddly enough, my address in my account is listed correctly, so I *know* the application was saved properly with my new information. 

I continued to follow up, continuing being told I could apply again in 6 months. I don't even want the loan at this point, I just want the inquiry removed from my report. It was not used to evaluate my credit worthiness, and their system fraudulently altered my application with past data that I didn't even have access to. 

They've refused to remove the inquiry on their own.

Company response to consumer: Closed with explanation