Consumer complaint received 2025-11-19 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: Madison Atrina LLC
State: TX

Complaint narrative:
I spoke to a couple of banks including my own about browsing my affordability for a home purchase ( browsing only, we did SOFT pulls only!!! ) I am not ready to purchase and therefore not ready for any hard inquiries yet, and definitely did NOT approve any!!! On XX/XX/XXXX I spoke to : XXXX XXXX, a bank that works with my realtor ( I forgot their name - irrelevant for this dispute ) and District lending. All did ONLY a soft pull which is the only thing I ever authorized. I have screenshots from Disctrict Lendind 's email, and application form stating clearly SOFT CHECK!!! On XX/XX/XXXX I started getting spam calls telling me my current lender ( XXXX XXXX ) hard pulled my credit for a refinancing or equity pull - which I NEVER tried to do!!! I called XXXX XXXX and they confirm they never hard pulled, they did another soft pull to help me find out what happened, and discovered a hard inquiry by XXXX XXXX- which I never heard of before. On XX/XX/XXXX I tired to speak to the credit bureaus, one did not respond because of technical difficulties ( phone inactive ) the other 2 demanded this report which I was not able to file due to the government shut down. 2 showed XXXX XXXX, and one showed something called XXXX which I also never heard of before. They gave me XXXX  Mortgage and XXXX  phone numbers and the rabiit hole started : XXXX I called XXXX  XXXX  ( for the XXXX  and only time ) spoke to their fraud department, they said they can not issue a deletion letter because something called XXXX XXXX ( never heard of them before either ) pulled my credit using them and provided me their phone number. XXXX When I called a third-party customer filtering services that services XXXX XXXX answered. they took my name and number and informed me they will call me back ( which they never did ). They also gave me their direct call back number XXXX which is a disconnected number and doesn't work. 2nd I called XXXX who offered to start a dispute for me, however they refused to delete it because XXXX XXXX sent a letter stating that this XXXX XXXX I never heard of or spoke to had my permission to do a hard pull ( which they definitely did NOT!!! ) I read the letter that came in the mail, it was terrifying, someone simply decided to state they had my permission, naming me a lot, when I know I never gave my permission! yet they provided no proof at all!!! I also got a letter from XXXX XXXX saying the hard pull was to finance a home in XXXX Arizona- I do not live there, I am not looking for homes there, I never lived there, I've never even been there!!! This is terrifying!!! either District Lending were mad I told them I will not move forward with them due to how extremely unprofessional they were on the phone with me ( laughing at me for my property tax exemption due to being a surviving spouse like they are not familiar with working with VA, hanging up in my face... ) and decided to punish me with a hard pull, OR they are actually trying to finance a home in AZ, or refinance my home, or steal my equity in my name!!! Either way this is terrifying!!! and XXXX XXXX claiming to have my permission when my only interaction with them ever has been to complain about this hard pull after the fact is insane!!! Please help me erase this and whatever mortgages might have been opened in my name since. 

XXXX XXXX XXXX I reported District Lending, they responded by 2 words " Erased inquiry '' and closed my CFBP complaint, however the inquiry is still in my credit report, they erased nothing, this is outrageous! XXXX XXXX actually claimed they had my permission in a letter they sent me without providing any proof even though the only contact I EVER had with them was AFTER the inquiry was done _ I spoke with their fraud department trying to dispute it! 
Same thing with XXXX, they denied my dispute due to XXXX XXXX XXXX lies about permissions from me with XXXX proof!!! 

Please erase this insane punishment from an unprofessional dangerous company that is punishing me for not taking a mortgage from them!!! 
Thank you.

Company response to consumer: Closed with explanation