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 — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, 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 XXXX XXXX. All did ONLY a soft pull which is the only thing I ever authorized. I have screenshots from XXXX XXXX '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, XXXX did not respond because of technical difficulties ( phone inactive ) the other XXXX demanded this report which I was not able to file due to the government shut down. XXXX showed XXXX XXXX, and XXXX showed something called Xactus which I also never heard of before. They gave me XXXX  XXXX  and Xactus phone numbers and the rabiit hole started : XXXX I called XXXX XXXX ( for the first 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 XXXX-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. XXXX I called Xactus 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 XXXX XXXX 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. 

* * * I reported XXXX XXXX, they responded by XXXX words " Erased inquiry '' and closed my XXXX complaint, however the inquiry is still in my credit report, they erased nothing, this is outrageous! Rocket Mortgage 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 Xactus, they denied my dispute due to XXXX XXXX 's 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