Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Americor Funding, LLC
State: GA

Complaint narrative:
Unexplainable credit inquires on my XXXX  report despite having a SECURITY FREEZE & PROMOTIONAL OPT-OUT with no expiration date on my report : via XXXXXXXX XXXX ( XXXX inquires ) Permissible Purpose : CONSUMER REQUEST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible Purpose : INSURANCE UNDERWRITING - XX/XX/XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX via XXXX  - XXXX XXXX XXXX ( XXXX inquires ) Permissible Purpose : CONSUMER REQUEST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion issued a FRAUD ALERT on my credit report on XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unexplainable credit inquires on my XXXX  report despite having a SECURITY FREEZE & PROMOTIONAL OPT-OUT with no expiration date on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE CALLS MADE : XX/XX/XXXX ( XXXX ) - Spoke with XXXX  Interactive in regards to the XXXXXXXX XXXX XXXX  inquiries. The rep couldn't tell me who requested the weekly monitoring of my credit. I suspected it was my ex-husband since the monitoring started after I kicked him out on XX/XX/XXXX & the reporting stopped the week before our XX/XX/XXXXXXXX XXXX XXXX. The rep transferred me to the Online Fraud Dept. where I spoke w a Supervisor. She couldn't tell me who was requesting the monitoring reports & told me to ignore them because " they don't mean anything or hurt your credit score ''. Phone call was recorded. 
XXXX XXXX I completed a XXXX OPT-OUT PRESCREENING request to further protect my credit from any unsolicited offers. 

XX/XX/XXXX - Spoke with a rep to cancel a hidden life insurance policy my ex-husband had on me & did not cancel it per the XXXX XXXX. She did a soft inquiry for XXXX XXXX reasons & was able to cancel the policy. Phone call was recorded. 

XX/XX/XXXX ( XXXX ) - Called XXXX XXXX XXXX to inquire about the ID Theft Protection company they use for their benefits since they are my ex-husband 's employer. It was verified that they use ID XXXX & she gave me their Customer Service XXXX. Per my ex-husband 's XX/XX/XXXX paycheck, he was paying for the XXXX XXXX. Phone call was recorded. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Called XXXX  to obtain a copy of my credit report & to make sure my report is FROZEN and a FRAUD ALERT has been placed. Phone call was recorded. 

XX/XX/XXXX ( XXXX ) - Called Credit9 to find out why they pulled my report. The rep said that my partially filled out Debt Consolidation Loan application was a warm lead from their sister company, Americor. She transferred me to Americor 's Sales Dept. where the line was disconnected. Phone call was recorded. 

XX/XX/XXXX ( XXXX ) - Spoke with the rep who confirmed my ex- had an active account with them & had created a profile on my behalf on XX/XX/XXXX unbeknownst to me. Thankfully, he didn't renew the ID Theft Protection Plan for the XXXX Benefits year, so his Family Plan became inactive after XX/XX/XXXX.

Company response to consumer: Closed with explanation