ComplaintsforCIC Mortgage Credit, Inc.
Credit Services
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Complaint Details
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Initial Complaint
11/10/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On 09/17/2021 an inquiry was made into our credit. I never applied for this credit. I never wanted this credit. I don't know who these people are or where they are from. I am trying to buy a house and this is showing on my credit report, This company has unlawfully gone through my credit report.Business response
12/15/2021
Business Response /* (1000, 5, 2021/11/22) */ You recently contacted CIC Credit in regards to a recent inquiry on one of your credit files from ***************** and/or **********. CIC Credit is a consumer reporting agency as defined by the FCRA. CIC Credit does not extend credit for any reason and is only a credit report reseller. CIC Credit resells credit reports for a variety of different permissible purposes to our end users i.e. mortgage lending, home improvements, auto lending, rental applications, employment screening, etc. Below you will find the company that recently accessed your report(s) you may contact them directly to discuss the inquiry. If you feel this inquiry was made in error you may email *******@ciccredit.com to request an inquiry dispute. You may also navigate to one of the below online dispute sites handled by the credit repositories to dispute online. Inquiry company contact information: **************** ****************** Ste B Daphne, AL XXXXX (334) ******** Reference Loan ID: ************* Consumer Response /* (3000, 7, 2021/11/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) While we had applied for mortgage with ******* Mortgage in Daphne, Alabama we were not aware that CIC and ******* were the same since ******* had also pulled our credit report. Business Response /* (4000, 9, 2021/11/29) */ CIC is a consumer reporting agency as defined by the FCRA. Our end users access consumer reports when they have a permissible purpose to access these reports. ******* Mortgage is a customer of CIC. On 9/17/2021 ******* Mortgage accessed your consumer report. CIC did not access your consumer report or use your consumer report for any lending decisions. While some credit bureau inquiries may list ******* Mortgage as the inquiry other bureaus may list CIC. On 9/17/2021 inquires you will see inquires for *******, ********, and ********** how they report the inquiry is proprietary to them and is out of our control.Initial Complaint
11/08/2021
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
CIC Credit made a hard inquiry on 11/21/2021 my credit report without my permission and I would like it to be removed! This company has sold my info without my permission. Now I have have a hard inquiry on my credit report and unwanted solicitors. What gives this company the right to do this?Business response
12/06/2021
Business Response /* (1000, 5, 2021/11/17) */ You recently contacted CIC Credit in regards to a recent inquiry on one of your credit files from ********, ******* and/or **********. CIC Credit is a consumer reporting agency as defined by the FCRA. CIC Credit does not extend credit for any reason and is only a credit report reseller. CIC Credit resells credit reports for a variety of different permissible purposes to our end users i.e. mortgage lending, home improvements, auto lending, rental applications, employment screening, etc. Below you will find the company that recently accessed your report(s) you may contact them directly to discuss the inquiry. If you feel this inquiry was made in error you may email [email protected] to request an inquiry dispute. You may also navigate to one of the below online dispute sites handled by the credit repositories to dispute online. Inquiry company contact information: **************************** **************** Brandon, FL 33511 (813) ******** Reference Loan ID: **********************Initial Complaint
10/27/2021
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
This place has ran a credit check twice , I have not applied for anything, and this place has ran my credit twice this weekBusiness response
11/04/2021
Business Response /* (1000, 5, 2021/10/29) */ CIC is a consumer reporting agency as defined by the FCRA. CIC resells consumer reports to their end users who have a permissible purpose to access these reports. Our records indicate that the below end user accessed your report. *********** Mortgage ******************************* ******, AL 35244 ************Initial Complaint
09/27/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I received a credit hit without my approval. No I did with his company is and why they pulled my credit.Business response
09/29/2021
Business Response /* (1000, 5, 2021/09/28) */ CIC Credit is a consumer reporting agency. Our records indicate on April 26, 2021 by ************* Small Business Finance. Consumer Response /* (2000, 7, 2021/09/28) */ (The consumer indicated he/she ACCEPTED the response from the business.)Initial Complaint
09/22/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
This business did a credit inquiry on me on November 3, 2020 and then under a different business name (******* Mortgage LLC) did another inquiry on November 12, 2020. There address and phone number are exactly the same. This put 2 inquiries on my credit report instead of 1. I tried contacted them but their phone number has been disconnected and I cannot find any information on them on the internet to contact them.Business response
10/12/2021
Business Response /* (1000, 5, 2021/09/27) */ CIC is a consumer reporting agency as defined by the FCRA. CIC resells consumer reports to their end users who have a permissible purpose to access these reports. CIC did not pull your consumer report. We have attached your borrowers authorization for the consumer report to be accessed. Consumer Response /* (3000, 7, 2021/09/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not my signature, nor is it my husband's signature. Plus, this does not address the fact that they did another credit check 8 days later, which was not authorized. The 2nd credit check was by different mortgage name, however it was the same address and phone number. Business Response /* (4000, 9, 2021/09/28) */ As previously stated CIC is the consumer reporting agency how supplies the reports to mortgage customers. If the consumer believes that the reports have been pulled surrounding any type of identity theft please supply a Identity Theft report from their local police and a dispute can be filed with the National Repositories.Initial Complaint
09/12/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
CiC credit pulled my credit report twice on Dec. 16, 2020 and on Mar. 3, 2020. They have NO business doing this. It is lowering my credit report. I have had NO business dealings with them or any other company during this time frame. They SHOULD NOT be pulling my credit report and have no legitimate reason for doing so. I want these inquires removed from my credit report and I want them to stop making inquiries.Business response
09/13/2021
Business Response /* (1000, 5, 2021/09/13) */ CIC Credit is a consumer reporting agency as defined by the Fair Credit Reporting Act (FCRA). CIC Credit resells data from the National Credit Reporting Agencies to our end users who have a permissible purpose to access those reports. Our records indicate that your consumer report was accessed by ****** Mortgage, LLC. We have included their contact information for your records below. ****** Mortgage, LLC ********************* Sandy, UT 84094 ************ ********************** Consumer Response /* (2000, 7, 2021/09/13) */ (The consumer indicated he/she ACCEPTED the response from the business.)Initial Complaint
08/10/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company has performed multiple hard inquiries of my credit report without my authorization and these requests have affected and lowered my credit report status.Business response
08/19/2021
Business Response /* (1000, 5, 2021/08/13) */ CIC Credit is a consumer reporting agency as defined by the FCRA. CIC Credit resells reports from *******, ********, and ********** to our end users who have a permissible purpose to access these reports. Our records indicate that on 5/7/21 and 5/10/21 *************** Bank accessed your consumer report. Below is the contact information for *************** Bank: *************** Bank ******************** BLDG 4 5th Floor ********************* ************ Reference # for Credit Report: ***************
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Contact Information
Customer Complaints Summary
36 total complaints in the last 3 years.
10 complaints closed in the last 12 months.