We are in receipt of the referenced consumer complaint, and appreciate the opportunity to respondAccording to our records, we received a loan application from [redacted] on 8/17/The application was declined, so no loan was issuedAs disclosed in our Terms and Conditions, [redacted] does make inquiries concerning credit history and standingWhen [redacted] submitted his application, he indicated his agreement to our Terms and Conditions, which state “you authorize [redacted] and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources.” Further, this credit inquiry was made in relation to an application for credit, which is a permissible purpose according to the Fair Credit Reporting ActIf [redacted] is alleging that this application was submitted fraudulently by someone else using his personal information, he may submit an identity theft claim to: [redacted] We ask that he includes a police report, or a notarized Identity Theft Affidavit to assist us with our investigationThank you for the opportunity to address this matterSincerely, ***
We are in receipt of the referenced consumer complaint, and appreciate the opportunity to respondAccording to our records, we received a loan application from [redacted] on 8/17/The application was declined, so no loan was issuedAs disclosed in our Terms and Conditions, [redacted] does make inquiries concerning credit history and standingWhen [redacted] submitted his application, he indicated his agreement to our Terms and Conditions, which state “you authorize [redacted] and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources.” Further, this credit inquiry was made in relation to an application for credit, which is a permissible purpose according to the Fair Credit Reporting ActIf [redacted] is alleging that this application was submitted fraudulently by someone else using his personal information, he may submit an identity theft claim to: [redacted] We ask that he includes a police report, or a notarized Identity Theft Affidavit to assist us with our investigationThank you for the opportunity to address this matterSincerely, ***