Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: NJ
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 sent written requests to EQUIFAX, XXXX, and XXXX several times beginning XX/XX/XXXX, to have unauthorized/unrecognized inquiries ( hard and soft ) removed from my credit report. Despite identifying myself by name, address, telephone number and last four digits of my social security number, I received written responses from EQUIFAX and XXXX stating they didn't have credit files in my name. Which I found to be disingenuous at best because I previously obtained my report from all three bureaus. As of XX/XX/XXXX, all three bureaus still have not removed all of the incorrect unrecognized and unauthorized inquiries in my credit report. 

Moreover, all three bureaus continue to display incorrect, inaccurate credit card balances on my report even after my credit card balance has been paid in full. The three bureaus have caused irreparable harm by displaying incorrect information in my credit report. All three credit reporting bureaus has given and taken away 20-50+ points on the same day. On at least three occasions each of the aforementioned companies issued and took upwards of 40+ points which caused me to lose a job. I was commuting to work via XXXX on the late-night early AM shift, and due to the unreliability of available rideshare services at those times I needed to purchase a vehicle to get to work. However, notwithstanding a XXXX excellent credit payment history, the senseless credit scoring policies and methods of the three bureaus often reduced my score back down to the fair category. Which itself is a slap in the face as there was nothing fair about the damage the bureaus have wrought by making it impossible to get approved for a car loan. And because of I was unable to get approved for a car loan I was forced to buy a used car which literally nearly killed me driving home from work within three days of the purchase. A huge chunk of a rear driver 's side shock became dislodged and wedged against a tire rendering the vehicle immovable. Traveling at 50 mph when this happened nearly killed me. If I had not been punished with credit score reductions by EQUIFAX, XXXX, and XXXX, because I used more than 10 % credit from my credit card to rent a car for work I wouldn't have relegated to buying a used car that nearly killed me. These companies have too much power of working-class people lives and they should not exist. Further evidence of their blatant disregard for anyone can be found on their websites. A section explaining credit scores details their awareness that point reductions can hurt but that it only takes a few months to bounce back. Unfortunately, my employer was unwilling to give me a few more months to rebuild my credit " back '' to a good standing. After all, paying your bills on time for nearly 10 months would ordinarily elevate anyone to the good credit category. Those companies should not exist. They must be reined in and prevented from playing God with working people 's lives. The terribly, horrific message is that no matter how hard you work, no matter that you're doing the " right things '' you will never be allowed to advance and improve your quality of life and credit worthiness because the credit monitoring gods enjoy watching the little guy try hard and fail harder. These companies should not exist. 

XXXX XXXX

Company response to consumer: Closed with explanation