This has been an ongoing issue with SLS since XX/XX/XXXX. They froze my HELOC due to a credit score decline. My score declined due a fraudulent collection account with XXXX i/a/o {$30.00}. I contacted and filed a claim with CFPB at that time as I felt that there was no reason for freezing my HELOC. Only through the assistance of the CFPB was I able to get information from them pertaining to my credit score. I rectified the collection situation and the collection account was removed from my credit report. Accordingly my credit report improved back to the norm shortly therafter. I requested that they reinstate my HELOC, which they refused as I need to provide them with a credit report reflecting an improvement of my credit score, at my cost of course. At that time I refused. I recently forwarded them a recent XXXX credit report dated XX/XX/XXXX and requested that they reinstate my HELOC on XX/XX/XXXX. I received a letter dated XX/XX/XXXX which indicated that they are refusing to reinstate my HELOC until my FICO credit score is XXXX, at a minimum, time of origination. My credit score is currently the following XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX. My credit score as reflected is a very high score and warrants an extension of credit from any institution. SLS is stating that the score does not meet their requirement. How is it possible that the aforementioned scores do not warrant reinstatement? I 'm confident that they are extending credit to other consumers at scores below my score. I 'm very concerned that they are violating equal credit opportunities. Please help. 
