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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