Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: OH
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:
Dear CFPB, I am writing you today, in hopes that you can help expedite this complaint against Equifax Credit Reporting agency. It  all started when I found out that XXXX XXXX XXXX XXXX Ohio, back in XX/XX/2018 pulled my credit reports numerous times about 12-15 within 1-2 month period. The dealership never had my permission in  writing or oral agreement with me to pulled my credit. ( see attached letter ). At this same time I was obtaining an SBA loan for my small business " XXXX '' franchise located in XXXX Ohio. In XX/XX/2018, I found out my SBA loan was denied, reason being I had exceed number of inquires allowed per SBA guidelines. It took me a couple of weeks to figure out what XXXX XXXX had done! By that time it was too late, by credit had been damaged to the point of no return. One of the creditors XXXX XXXX called me and asked if I was going to send over my pay stubs and when do I want to closed this auto loan. I was in disbelieved. 
I could this had happen to someone like me. I never authorized my credit to be pulled 12-15 times by XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX with Ohio Attorney General Office, but later the complaint was closed - I have no idea why, I called the person on the letter and left a VM but never heard back. 
Thought weeks, hours and time off without pay, I finally got ahold of all creditors and explained by that I was a victim of fraud and my credit was pulled without my permission. I have all the letters from creditors, they are deletion letters and removal letters, with my permission letter signed and dated. The problem with Equifax is that I have sent these documents several times and each time ( 6 times ) Equifax has rejected the letters comments were '' Please provide Equifax with letters from each creditor and reason why inquires were in error, deletion letters '' the problem with this statement is WE have sent these letters as requested by Equifax over 6 times. Equifax has no customer service at all, no one speech XXXX, so there is a language barrier, I have been transfer to so many departments, and then the call drops every time! Then have to start over. 3 months later I finally get Equifax fax # XXXX from one of the creditors. Each creditor has re fax, mail and even certified mail to Equifax. None of us can get Equifax to listen to us! Since my credit has been damaged and my score is below fair XXXX with Equifax, prior my score with 700 's, I have to stop tenant remodeled on my new XXXX   location, I no longer qualify for any business or personal loans, this hurts my family financially I am the primary household income ( only income ) and since my XXXX  store do not open I can not no longer pay my business debts, with XXXX XXXX, XXXX, line of credit with XXXX and 2 Credit cards, and not to mention my 5 year lease on commercial building. XXXX XXXX and Equifax thinks this is funny! they don't care about me or my family. I am at my wit 's end and have no were to turn too for help. I am hoping CFPB can help me with this BIG complaint against Equifax. I am attaching all creditors letters and all my disputes since XX/XX/2018, I have disputed inquires over 6 times online, mail and fax. XXXX has finally removed all inquires. I have this letter if you want it. Please let me know if you need any documentation I have it all. NOTE THAT I WAS UNABLE TO UPLOADED ANY LETTERS, THE MAX WITH 10 MB, PLEASE LET ME KNOW WHERE I CAN EMAIL DOCUMENTS TOO.

Company response to consumer: Closed with explanation