11040577
|
2024-12-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Dakota Financial, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-05
|
Consumer Consent Provided |
Consent not provided
|
|
8148585
|
2024-01-12
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Dakota Financial, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2024-01-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-01-12
|
Complaint What Happened |
HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all XXXX XXXX report. looks like someone has my personal information and time to time requests credits on my name.
As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports.
Other vise I will loose much time and money because mortgage lenders will decline my application for financing.
I will list them below : XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX.
Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything.
XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.
Thank you in advance : XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
8287877
|
2024-02-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Dakota Financial, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2024-02-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-02-05
|
Consumer Consent Provided |
Consent not provided
|
|
7516583
|
2023-09-07
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Dakota Financial, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2023-09-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-09-07
|
Consumer Consent Provided |
Consent not provided
|
|
4036713
|
2020-12-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Dakota Financial, LLC
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2020-12-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-12-14
|
Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
Complaint What Happened |
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
Consumer Consent Provided |
Consent provided
|
|
6191580
|
2022-11-12
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Dakota Financial, LLC
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2022-11-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-12-14
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
4108317
|
2021-02-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Dakota Financial, LLC
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2021-02-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-12-14
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|