Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was approved for a credit line increase with XXXX XXXX XXXX and my credit report was pulled and my identity was verified, as I authorized one credit pull. I was informed that I had to access the credit line increase through their website and continue the process online to access the credit line amount. When doing so the system had restrict me from going further and XXXX XXXX XXXX was contacted. I was transferred to the security department and I informed that I was approved for the credit line increase and identity verification was needed in order for me to proceed. After my identity was verified the representative stated that the restriction was lifted and I will be able to access the credit line increase further. When I proceed to go back online to continue. I received several alerts that my credit file was access again by XXXX XXXX XXXX and hard inquiry was placed on my credit report. I contacted XXXX  XXXX XXXX again and informed them of this issue. I was verified again and I was told to try again. I did the same process online and my credit report was pulled again for the same credit line increase that I was originally approved for. I spoke to several supervisors and they didnt see any restrictions or anything blocking me from continuing the process online. I was told to try again and it should be fine. While doing so it pulled my credit report again. So I tried from another account I had with them and it sent another alert stating that my credit report was pulled again. When I contacted the bank the next day. I was told that they will put in a ticket due to a technical issue and security issue on their end. This issue took over 3 weeks to be resolved and is now  fixed as off XX/XX/2019. Which took many calls, being transferred many times and speaking with several different supervisors who put in several different tickets to resolve. This has created many hard inquiries that has decreased my credit score significantly. I am requesting for the hard inquiries associated with XXXX XXXX to be deleted from my credit report/file. As I applied for one credit line increase and was approved. Due to their online technical security issues in their end. My credit report was pulled many times. See an attached documents below of the many daily credit pulls from XXXX XXXX. XXXX  XXXX needs to send the credit bureaus a deletion request for these inquiries due to this inconvenience and the technical issue on there end As a customer when applying for one line of increase. A credit report should only be pulled for the one approved application even after proceeding. I have informed XXXX XXXX XXXX in reference to the hard inquiries and they have yet to send the bureaus the deletion request, I am requesting for Equifax, XXXX  and XXXX  to delete this issues. See attached document with dates and hard inquiries by XXXX XXXX below. As a customer I value business with XXXX XXXX and continue to keep my accounts with them once this issue in reference to these hard inquiries are deleted.

Company response to consumer: Closed with explanation