Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5677519
Complaint Overview
Complaint ID: 5677519
Company: Crosscountry Mortgage LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: New Jersey
ZIP Code: XXXXX
Date Received: 2022-06-16T12:00:00-05:00
Date Sent to Company: 2022-06-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 my fiancee and I inquired with Cross Country Mortgage about a mortgage and if we should get it under both of our names or just under her name. The agent on the phone, XXXX XXXX, asked about our credit scores and about our SSNs and we told him to not under any circumstances hard pull the credit. He agreed and confirmed it would only be a soft pull and it would not appear on our credit report/ would not influence our credit score and listed hard inquiries. In the end, we decided that we will get the mortage under my fiancees name. Despite this, a hard pull appeared on my credit report, which I made Cross Country aware of and asked them to correct it. I emailed Cross Country Mortgage to make them aware and they simply ignored it saying they did not pull my credit. Later, they even did a hard pull again around the date my fiancee was closing the mortgage ( XX/XX/2022 ) despite the fact that it was not even under my name. I emailed Cross Country Mortgage to provide an explanation and they only stated that they did not pull it. I called XXXX and they removed the duplicate pull but XXXX told me that they could not remove the other pull and that Cross Country Mortgage would have to file a dispute. I emailed Cross Country Mortgage to do this with no response at all.
Frequently Asked Questions
What is Complaint #5677519 about?
Complaint #5677519 was filed against Crosscountry Mortgage LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-06-16T12:00:00-05:00.
How did Crosscountry Mortgage LLC 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 Crosscountry Mortgage LLC?
Yes, visit the Crosscountry Mortgage LLC company profile at readthecomplaint.com/company/crosscountry-mortgage-llc 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.