Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5188263

Complaint Overview

Complaint ID: 5188263

Company: Paramount Residential Mortgage Group

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Virginia

ZIP Code: 22015

Date Received: 2022-02-04T12:00:00-05:00

Date Sent to Company: 2022-02-17T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

My husband and I are planning to purchase a home in Florida. The realtor suggested we obtain a pre-approval for a loan amount. I began the process through a link on XXXX. The agent emailed me and said that I would have to give permission for a soft credit check which would not affect my credit score. His company sent a link to agree to the soft credit check on XX/XX/2022. I clicked the link and began uploading the documentation they requested. A few day 's later, on XX/XX/2022, I received an email from XXXX that I have a credit notification. I went into Experian and found that this lender pulled a Hard Credit Report, which has lowered my credit XXXX. I emailed the company and told them that I did not consent to the hard credit pull and that they needed to fix this. In fact, they pulled a hard credit check and I had not even finished providing all of my documentation. Just this morning, the lender called me and when I informed him and provided the emails back to him showing that the consent link clearly states that it would be a Soft Credit check and would not affect my credit score, I heard him typing and I think he actually altered my record. I am concerned that he has access to my financial information now, as well as the fact that by pulling a hard credit check, this company has financially harmed my husband and myself with our credit rating, which ultimately will negatively, financially impact us when we apply for loan. I noticed that he sent a picture of " my consent '' while we were on the phone this morning. I could hear him typing and think he altered my documentation. He told me that he doesn't have th ability to alter my consent, but I think that he can because on the phone call, when I requested proof of my consent, he began typing and then sent. I would look at the time stamp for the consent. In any case, the emails that I received, represented that this would be a soft credit check and instead they conducted a hard credit check. I am attaching the emails in the documents. I will provide all emails later if needed. This company is XXXX XXXX XXXX # XXXX ( XXXX ) XXXX The agent is : XXXX XXXX XXXX XXXX NMLS # XXXX XXXX Days To Close m : ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX XXXX

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