Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4758045
Complaint Overview
Complaint ID: 4758045
Company: Rategenius Loan Services INC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 956XX
Date Received: 2021-09-27T12:00:00-05:00
Date Sent to Company: 2021-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 my wife and I were looking at rates to refinance a vehicle. We purposefully did NOT submit any applications as we are also mortgage shopping. This morning, XX/XX/2021, I received alerts that my credit reports had been pulled multiple times. On my XXXX Credit Report there is one inquiry from XXXX XXXX with no contact information whatsoever, and on my XXXX Credit Report there are 2 separate inquiries from the same credit union, XXXX. I contacted XXXX who claimed they received authorization from Rate Genius. Rate Genius 's employee, " XXXX '', advised me to dispute the inquiries but otherwise offered no assistance into the matter. I expect all inquiries to be removed as I did not authorize them.
Frequently Asked Questions
What is Complaint #4758045 about?
Complaint #4758045 was filed against Rategenius Loan Services INC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-09-27T12:00:00-05:00.
How did Rategenius Loan Services INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Rategenius Loan Services INC?
Yes, visit the Rategenius Loan Services INC company profile at readthecomplaint.com/company/rategenius-loan-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.