Consumer complaint received 2019-09-15
Company: Clarity Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I had requested a copy of my Clarity report, having been advised of and made aware of such agency by XXXX XXXX, of which I had applied with. 

At that time I was advised that I had an " Excessive Amount of Inquiries '' within my Clarity report and that the inquiries alone cause a huge impact on my credit rating. So I contacted Clarity and requested my report. When received my report, I had pages and pages of inquiries, no outstanding loans, but it had so many pages, I was at a total shock, simply because majority were inquiries for " payday loans '' and the payday loans I've applied with have been in store and within the area of my home, however, none of them were listed on the report, instead there several unheard of and unknown companies I have never applied for, and several of them were duplicates, on the same days, within days later, and back to back. There is no way in the world, I could possibly apply for so many payday loans at one time, especially being a Full Time employee, and a single mother raising XXXX boys, I don't even have the time to apply so many times, and so I contacted Clarity to dispute these. Even the agent who answered couldn't believe how many pages longs of inquiries I had, saying she herself has never seen anything like it before, so I at the time I asked to be provided instructions on how to dispute them, simply because I had never even heard of Clarity, let alone had I ever heard of or applied for all the payday loan companies listed. She advised that I could place a fraud alert and that I really wouldn't be able to dispute them being their inquiries and accounts, and couldn't provide me with a valuable reason why, and although the inquiries were the reason I was being denied the loan thru XXXX, and explained that to her she basically told me it wasn't possible and again said that I could add a fraud alert. Not helping nor really listening to my request. I called again this past Monday XX/XX/XXXX again, after I did apply for an installment credit builder loan, being I am currently working to rebuild my credit, and this loan was what I needed to assist me in doing such, so when I applied XXXX XXXX, I was denied again and told the same reason, excessive inquiries. So again I called Clarity with hopes of being provided a much better resource being this Clarity report is hurting me more than my files with the 3 major bureaus, and especially, because its a bunch of companies i have never applied for any payday loan thru. The agent I spoke with pretty much provided the same option, and yes adding a fraud alert is what I need, but couldnt tell me how it alone would help me being there arent any open accounts on my file, ad just inquiries. I advised that i wanted to dispute to have removed, and she gave me no real option other than a fraud alert and for that purpose I want to file a complaint, because not only is Clarity not assisting me with disputing off my file, the inquiries were not authorized by me and need to be removed, same companies repeatedly back to back on the same days and then days after. Its over a 100 and my clarity file only consists on lines of inquiries.

Company response to consumer: Closed with explanation