Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: TX
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:
I have recently pulled copies of my credit reports and have incorrect information on them and multiple inquiries on tehse reports that I did not authorize. i cant seem to get any help at all fromt eh credit bureais that are giving out this information. I asked Equifax to look into them and all they told me was they were legit, call the companies. XXXX  will not let you dipute anything online or by phone, they refer me to call the companies directly. Yesterday got a different copy of my report from XXXX other than the one they provide monthly with my subscription. I noticed several hard inquiries on my report that are not mine and that I have not authorized. Some recent and some from early to mid XX/XX/XXXX, some in XX/XX/XXXX.  For example car loan applications recently. I have NOt applied for any car loans as i have a brand new vehichle barely 6 months old. And others that i have no idea who they are.
I tried to dispute these online, but there is not way to do it.
I called XXXX today, Thursday XX/XX/XXXX at XXXX XXXX CT, called XXXX yesterday, and recently did noline with Equifax and get nowhere. and spoke to a representative who would not help me at all! She told me that I had to contact these people directly and get a removal letter from then. Then these companies would send me a removal letter. From there I had to also write an authroization letter and send it to XXXX along with this Removal letter, and then and only then would they look into it as far as removing it!?
I did not authroize these people to pull my credit report or to have this personal information of mine! How can XXXX or Equifax or XXXX just give out all of my personal info without me authorizing it? Or if I call them and tell them I did not authorize this, shouldnt THEY look into it and see if it was authorized? Or require that the company that pulled my report show proof that i authorized it?
What if these companies do not respond to me and do not give me this supposed removal letter? Im just stuck with it showing these people pulled my info and XXXX can just give out my information blindly and not be held accountable? Or not research it from their end as to WHY they gave out my report to these companies?
I dont think it is right that the burden be placed on me to contact these companies and be at their mercy, when They are the ones accessing my info fraudulently, or when XXXX and the others are blindly giving out my personal information and there is nothing they will do about it! That does not seem right, nor seem legal.
XXXX should be required to investigate these inquiries just like they would investigate any other accounts showing incorrectly on my report. Please help me with this!
The lady on the phone said these are my past or present creditors and they can access the file! That is not right! They are not my creditors!
I should not have to go through all the work to prove something should NOT have happened with my personal info. They should be required to show authorizaton that is SHOULD happen.
These following companies were NOT authorized by me to have my personal information, and I NEVER authorized XXXX or Equifax or XXXX to give out this information to them : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX These inquiries show on my multiple reports. In addition to that EQUIFAX also shows these that were not authorized : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( Ive had XXXX XXXX for almost 5 years and have NEVER tried to change? ) And in addition XXXX shows these in addition to the ones listed above : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX Why are these inquiries on my report? And why can I not get any help with them?
This is hurting my credit and also im not comfortable with my information being given out like this without permission! But this is unbeleiveable, this is a lot!
Now granted, Im a " XXXX '' and have the same name as my father and we shared addresses in the past, so maybe they are mixing up some of his information.
i also have a family memebr with the same first and last name as me, but a different middle name. So I understand if something got mixed up, we have had this happen in the past with mail and paperwork etc. But this needs to be fixed and corrected and assured to not happen again moving forward. I just can not get any help on their end. Please help!
I just dont feel it is right or legal to give out my information to anyone and everyone that asks for it with no accountability and the burden to be put on me to correct it or suffer for it.

Company response to consumer: Closed with explanation