Equifax Credit Reporting Complaint

Improper use of my credit report report improperly shared by crc

Equifax Credit reporting department,

Improper use of my credit report Report improperly shared by CRC California

I applied for a - - - credit card from - on -/-/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before they could look at my credit report. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early - I opened the correspondence and completed the verification with a nice woman on the phone on -/-/2015. I needed to make sure my phone number was on file with Equifax for some reason. So I did. I 'm not sure how, but - was able to place a hard inquiry on my credit report on -/-/2015 even though it was supposed to be blocked. I believe that Equifax provided - with my credit history when they should not have. I completed the verification on -/-/2015. - was able to place a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that - of the inquiries be removed. The agent was adamant that - would not remove the second credit inquiry from my credit report because it was " Not done in error '' While I did authorize - bank to run my credit report ONCE, they were somehow able to pull my credit information from Equifax prior to my authorization and then again a second time after my authorization. I dispute that I should have - inquiries on my report for - credit card application. Equifax should not be allowed to provide any information to any prospective creditor when a fraud block is placed on my SSN.

Equifax customer in California
Apr 18, 2016

* Source: CFPB Complaint Database

Equifax response to complaint:
Closed with explanation

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