Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
( 1 ) THEY WOULD INDICATE THAT THE CONSUMER HAD INITIATED CONTACT WITH EQUIFAX. - EQUIFAX.

* IN THE PROCESS OF GETTING AN HARD PULL FROM EQUIFAX MORTGAGE SERVICES I DID NOT INITIATE ( 2 ) EQUIFAXMORTGAGE SER ND INQUIRIES ARE KNOWN AS SOFT INQUIRIES AND ARE NOT SEEN BY THE CREDITORS. 
* EQUIFAX CREDIT FILES- UNDER INQUIRES THAT MAY IMPACT MY CREDIT RATING/SCORE EQUIFAX MORTGAGE SERVICES IS LISTED BELOW WITH XXXX XXXX XXXX XXXX XXXX AS WELL. THE ONLY TWO HARD PULLS ON MY CREDIT FILE FROM EQUIFAX CREDIT FILE IT SEEMS. 
* ALTHOUGH ND CLAIMS ITS NOT SEEN BY CREDITORS OR GRANTORS BUT MY MAIN CONCERN IS THE PRIVACY BREACH OF NOT SUBMITTING ANY APPLICATIONS WITH EQUIXFAX MORTGAGE SERVICE OR ANY OTHER LOANS OR MORTGAGES THAT SHOWN UP AS SOON I SUBMITTED APPLICATION FOR XXXX MORTGAGE LOAN. 
* EQUIFAX & OTHERS LISTED IS AN UNAUTHORIZED PULL RESULTING FROM A PRIVACY BREACH. 
* I APPLIED FOR MORTGAGE LOAN WITH XXXX, HOW IS IT THAT THEY DONT SHOW UP AS A HARD PULL NOR SOFT PULL FOR THE APPLICATION SUBMITTED ON THEIR PLATFORM BUT OTHER ENTITIES I DIDNT SUBMIT ANYTHING TO HARD PULLING AFFECT MY SCORE & SOFT PULLING CHECKING MY CREDIT HISTORY I DIDNT CONSENT TO. 
NON AFFILIATION I DO NOT GIVE CONSENT OR AUTHORIZATION TO CHECK MY FILE ETC ( 1 ) I THE CONSUMER APPLIED FOR MORTGAGE LOAN WITH XXXX & GOT FRAUDULENTLY DENIED ACCESS TO THE LINE OF CREDIT I APPLIED FOR, NOT RECEIVING LAWFUL OR PROPER NOTICE OF ADVERSE ACTION. A PRIVACY BREACH ENDING UP WITH 5 DIFFERENT SOURCES LABELED ( MISCELLANEOUS ) ( 2 ) EQUIFAX CLAIMED IT WAS AN SOFT PULL BUT ITS BEING RECOGNIZED AS AN HARD PULL ON THE FOREFRONT OF CHECKING MY CREDIT INQUIRES. ALSO IDC IF ITS A SOFT PULL, UNKNOWN SOURCES SHALL NOT BE PULLING FROM MY CREDIT FILE OR ANY APPLICATIONS I DID NOT APPLY FOR ON YOUR PLATFORMS CHECKING ANYTHING PERSONAL OF MINES. I WAS NOT OR HAVE NOT BEEN AFFILIATED WITH IN ANY CONSUMER CREDIT TRANSACTION. 5 MISCELLANEOUS PULLS I DID NOT AUTHORIZED OR GIVE CONSENT TO, NOT RECEIVING ANY BENEFITS, ALL RESULTING FROM APPLYING FOR A MORTGAGE LOAN WITH XXXX THAT I WAS UNLAWFULLY DENIED. 



1 ) EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* I DID NOT INITIATE CONTACT WITH ANY OF THOSE ENTITIES OR DID ANY SORTS OF BUSINESS WITH. 
* PULLS ENDED UP ON MY CREDIT FILE AS I APPLIED FOR AN MORTGAGE LOAN WITH XXXX ONLY! 
* EQUIFAX MORTGAGE SERVICES RESULTED IN AN HARD PULL, AS ITS AN INQUIRY SHOWN ON THE FOREFRONT ALONG WITH ALL MY OTHER HARD PULLS, FROM ACTUAL COMPANIES WITH WHOM I HAVE APPLIED FOR A LOAN OR CREDIT IN THE PAST TWO YEARS. 
* I DID NOT RECEIVE AN HARD PULL FOR THE MORTGAGE LOAN I APPLIED FOR WITH XXXX * I DID NOT APPLY FOR A LOAN OR LINE OF CREDIT WITH EQUIFAX EVER! THESE INQUIRIES ARE MADE BY COMPANIES WITH WHOM YOU HAVE APPLIED FOR A LOAN OR CREDIT IN THE PAST TWO YEARS QUALIFYING & PREQUALIFICATION PROCESS TOOK PLACE WITH XXXX, ON XXXX PLATFORM. I DID NOT APPLY OR SUBMIT ANYTHING TOWARDS THE OTHER 5 PULLS THAT ARE LOAN & MORTGAGE RELATED THAT ALL PULLED THE SAME MONTH I APPLIED FOR MORTGAGE LOAN WITH XXXX. WHICH IS A PRIVACY BREACH OF MY PERSONAL INFORMATION, NONE OF THE LESS NOT RECEIVING THE BENEFITS I APPLIED FOR. 


ON XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE IS ON THE FOREFRONT AS IF ITS CONGRUENT TO MY HARD PULLS FROM COMPANIES I APPLIED FOR A LOAN OR CREDIT These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. EQUIFAX MORTGAGE SERVICE IS ONE NUMBER ON LIST.

Company response to consumer: Closed with explanation