Equifax Mortgage Complaint

Other mortgage Application, originator, mortgage broker

Equifax Mortgage department,

Other mortgage Application, originator, mortgage broker Nevada

Equifax has failed to honor the 45 day rule for mortgage inquiries. I have been shopping around for a mortgage since -/-/2016 and instead of them counting each mortgage inquiry as - inquiry, they have counted each inquiry separately and have reduced my credit score significantly with each one. Their online dispute for inquiries only offer - options which are fraudulent inquiry or did not authorize inquiry of which neither applies. Writing them is a waste of time because no human reads the letters or documented proof and instead an automated system is used which always verifies inaccurate information as correct regardless of what proof you have or if its inaccurate. I have written many times and provided proof of unauthorized inquiry by actual creditor and they sent the same response each time claiming it is verified as accurate. I want my credit score points restored since they have counted each mortgage inquiry separately and lowered my score 3 times and it should only be - inquiry. The mortgage inquiries are within the 45 day window yet Equifax is not going by the rule.

Equifax customer in Nevada
Apr 20, 2016

* Source: CFPB Complaint Database

Equifax response to complaint:
Closed with explanation

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