Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I submitted to EQUIFAX that an error has occurred with my credit report. XXXX XXXX shows the US DEPARTMENT OF EDUCATION Institution address - XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX / XXXX XXXXXXXX XXXX XXXX XXXX Institution address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX - Loan Identification Number XXXX - ran a HARD INQUIRY on XX/XX/XXXX. NO REASON WHY MY CREDIT SHOULD HAVE BEEN RAN. NO PERMISSION WAS GIVING TO ANY STUDENT LOAN COMPANY TO RUN MY CREDIT LAST YEAR I ONLY GAVE PERMISSION 7 YEARS AGO THE YEAR XXXX NEVER DID I APPLY FOR ANOTHER STUDENT LOAN SINCE THEN. This XXXX XXXX XXXX XXXX XXXX XXXX was opened XX/XX/XXXX makes 7 years ago this year in XXXX. NEVER HAVE I BEEN LATE WITH PAYMENTS. I am not disputing balances nor disputing that this is not my account. I AM DISPUTING THIS HARD INQUIRY TO BE REMOVED. EQUIFAX has failed to look into this deeper I have submitted disputes under different reasons and fraud and EQUIFAX continues to send a response back that this hard inquiry info is accurate and will remain on my credit history for 2 years. I DO NOT HAVE ANY OTHER STUDENT LOANS NOR ANY 3RD PARTY I ONLY HAVE ONE STUDENT LOAN OUTSTANDING. I have reached out to XXXX XXXX spoke to XXXX she indicated that they show no record of my credit being ran. I called the US DEPARTMENT OF EDUCATION and XXXX in the loan management dept indicated she do not show my credit was ran at there end. This is a case of FRAUD AND NEGLIGENCE WITH ALL COMPANIES INVOLVED! 

I submitted online again on XX/XX/XXXX Confirmation number : XXXX to EQUIFAX my dispute and the XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DISPUTING this fraud/error. EQUIFAX CHOSE TO CLOSE MY DISPUTE AGAIN WITH NO PROPER INVESTIGATION AND I COULD NOT RETRIEVE ON THE EQUIFAX PORTAL THE REASON THE DISPUTE WAS CLOSED AND DID NOT GIVE ME THE OPTION TO RETRIEVE A REASON AND COPY OF END RESULTS AND THIS FRAUD INQUIRY HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. I TOOK IT UPON MYSELF TO CALL EQUIFAX ON XX/XX/XXXX AT XXXX PM AND SPOKE to a young lady by the name XXXX and ask why I could not see a copy of my dispute I can see is been completed I advised XXXX any other time I am able to print my own copy of any dispute investigation. How is it possible that XXXX can see my report and me not be able to retrieve a copy of my own dispute. Please help me understand??????? XXXX provided the end results and read back to me was the same results given to me prior weeks ago. Per Equifax " Results are accurate '' the same response from prior investigations EQUIFAX EMPLOYEES ARE NOT INVESTGATING DISPUTES PROPERLY what ther doing is called .... MONKEY SEE and MONKEY DO! Following each others steps and doings PLAIN OLE LAZY OR SHOULD I SAY NON EXPERIENCED STAFFS l!!!!!!! AGAIN THIS IS FRAUD I DID NOT GIVE ANYONE PERMISSION TO RUN MY CREDIT ( HARD INQUIRY XX/XX/XXXX OF LAST YEAR ) It gets even better!!!! For some odd reason something told me to log back into Equifax portal I logged in at XXXX PM AND SEEN THAT MY DISPUTE HAD BEEN PLACED OPEN AGAIN WITH THE STATUS UNDER INVESTIGATION -- -- AL the csr at Equifax must have reported this dispute and my frustration to upper management!! CLEARLY SOMETHING IS NOT RIGHT. EQUIFAX STAFF MANUALLY OPENED MY DISPUTE BACK UP. 

EQUIFAX ... .THE US DEPARTMENT OF EDUCATION , WILLIAM D FORD FEDERAL DIRECT LOAN AND XXXX XXXX XXXX ... .NEED TO BE INVESTIGATED PROPERLY!!! THIS HARD INQUIRY IS FRAUD!! Again I am not disputing balances nor disputing that this is not my account. I AM DISPUTING THIS HARD INQUIRY TO BE REMOVED. I DID NOT AUTHORIZE NOR GAVE PERMISSON TO RUN ANY INQUIRY ON XXXX XXXX

Company response to consumer: Closed with explanation