Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

Equifax signed an agreement with the XXXX Attorney General 's office to voluntarily remove incorrect or fraudulent information on a person 's credit bureau for anyone living in the u.s.a. My attorney has written Equifax XXXX about having incorrect or invalid information on my credit report. At one point I had Equifax credit file monitoring service where I discovered their use of incorrect or invalid information on my credit report. I also discovered they had branded me as a complete and total credit risk for debts that had been paid or were discharged pursuant to federal law. My attorney asked politely for Equifax to remove all the hard credit inquiries for a total of XXXX from my credit report because I had not applied for credit that many times. however in our investigation of my Equifax credit file and m y credit files at XXXX and XXXX we discovered that a third party may have hired Equifax to make hard inquiries from their company Equifax mortgage into my credit file as my credit files at the other mentioned above credit reporting agencies. 
When I asked Equifax to explain this as well as their refusal to take off negative information which was not true, I was stonewalled by Equifax in writing XXXX. These stonewall letters were in response to my attorney 's letters to Equifax. 
these hard inquiries into my Equifax credit file and other credit files show up even on their own monitoring system as hard inquiries that I am making applications for credit. I am not. 
Also, Equifax is reporting mortgage loans that I never applied for or approved or settled on from a major bank and XXXX trust servicer XXXX. These mortgage loans do not have the account number that appears on any mortgage statement and these loans were created unilaterally by the large bank. All of which I have filed multiple complaints with the banks attorney and other federal agencies. 
If Equifax is going to monitor me on behalf of some third party I want to know who that third party is and why are the monitoring me and if an inquiry is done then it shows up as soft inquiries that do not affect my credit score or FICO score. As a XXXX veteran I have been working very hard to improve my credit score and Equifax has me rated the lowest of any credit bureau score. In other words the other bureaus all have me rated much higher. 
I have as a XXXX veteran been repeatedly defrauded of my VA XXXX pension us federal treasury pension benefits for which then I am penalized again by having false information placed on my credit bureau reports. 
I perceive this Equifax practice of initiating hard inquiries into my credit file b y Equifax mortgage as it is listed in the report and doing this to the other credit bureaus according to LIFE LOCK identify theft service violates my legal rights under federal consumer protections laws and uscfpb regulations and XXXX state consumer protection laws and the u.s. federal fair debt collection practices act. it has the appearance I am applying for credit which I am not and then reporting it as hard credit inquiries to external agencies.