Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I intend this message finds you well. My son and I purchased a new XXXX in XX/XX/2018 from XXXX XXXX XXXX XXXX. The car was purchased as I am XXXX XXXX and need to get to doctors appointments etc. When we went into XXXX XXXX XXXX we went using the XXXX XXXX program to be sure we did not have to haggle for a car. When we went to financing the finance lady in which her name escapes me since I have a XXXX XXXX and have memory issues ( She is listed on my account at XXXX XXXX ). She was moving quickly and was fully aware we were going to get a cashiers check to purchase the car. Both of our credit was pulled on this day without our knowledge and again mine was pulled by XXXX XXXX in XX/XX/2018 in which I NEVER gave authorization for this to happen nor did they call me to discuss the erroneous incident. I found out while I was checking my credit as I was told by the lady finance manager who assisted us that she was going to fix the credit issues I brought to her attention in XX/XX/2018. She stopped following up and I finally went above her to XXXX XXXX in which I felt he assisted as much as he could. No one followed up once both my son and I signed letters for XXXX XXXX to send to the credit agencies. I requested them to be sent certified mail, registered mail and XXXX XXXX to insure it gets there. In the meantime I put an inquiry on all the credit agencies to dispute the credit inquiries from XXXX XXXX and XXXX XXXX and they were denied by XXXX XXXX and XXXX XXXX???? WHAT???? I also called and because I am NOT the owner of the inquiry I could NOT delete them even though there were erroneously done. I was told to wait 60 days and waited 90 called the bureaus and nothing has yet to be done. I followed up with XXXX XXXX and apparently I have a new rep XXXX that was going to take this over and call me. I never received a call back from him so I followed up 2 weeks later. This has just been a ridiculous process and it seems to be getting nowhere other than XXXX getting their money for a car and not caring about the negative outcome of running my credit report and these are hard inquires. What got me really fired up is I am in the process of purchasing a home and these hard inquiries are causing me problems per my lender and interest rates will be higher because my credit went down. I believe the finance manager was getting kick backs from whomever they use to run credit reports ( I found this out from a source I am not willing to bring into this situation ) which I think is appalling and to take advantage of someone whos is XXXX XXXX XXXX and I didnt even mention how she treated my son and profiled him because of his arm tattoos. My son has never been in trouble with the law no traffic tickets and provides fully for himself and helps me. I am appalled that such a large company lacks integrity and ethics and allow their staff to profile others who are trying to purchase a brand new car. I am thoroughly disgusted with how unprofessional XXXX XXXX and XXXX XXXX have been with us and that they are allowed to pull credit reports erroneously and get away with it!

Company response to consumer: Closed with explanation