Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (IA)

XX/XX/XXXX : I received a notification from Credit Karma. It said I had a new report on my credit. Upon further investigation, I was about a hard inquiry that I didn't not apply/inquire about. 

It was by XXXX XXXX. The inquiry was for a XXXX XXXX XXXX account. Supposedly the inquiry was made XX/XX/XXXX. 

I did not apply for this, I do not know what this is. 

Credit Karma provided me with a link to call XXXX XXXX and have this taken off my account. 

I had first called the number provided at XXXX XXXX., XX/XX/XXXX and talked to a representative. He said I didn't have an account, therefore, he didn't have further instruction or ability to help me because there was supposedly nothing to look into. 

He ( XXXX rep ) said I needed to contact Credit Karma, so I sent XXXX  an email to their support on XX/XX/XXXX at XXXX XXXX. Once I found out numerous people have never received replies, I figured I could call XXXX , seeing how that was the bureau that the inquiry was reported under. 

I called XXXX XX/XX/XXXX at XXXX XXXX. 
The representative gave me instructions for how I can get this taken care of, she even provided me a file number : XXXX XXXX XXXX. 

She instructed me to request a form/letter of release to be sent to my address. Which I would then have to send to XXXX 's XXXX. XXXX in XXXX, PA along with my letter of authorization. 

I called XXXX XXXX a second time, XX/XX/XXXX, at XXXX XXXX. I talked to a different representative, and he stated that this inquiry from XXXX XXXX XXXX was not affiliated with XXXX XXXX. It has no relation to XXXX XXXX, and they don't know why it would be on my credit. 

He also stated that Credit Karma has said that this was a common error, and they tell customers to call XXXX XXXX. He could not send me a letter of release because according to him, if I don't have an account with them then there is nothing to release. 

So then why would this be reporting on my credit report stating to be coming DIRECTLY from XXXX XXXX? It makes no sense. 

Therefore, sticking me into a vicious cycle of contacting whoever the last person told me to contact. 

After various short phone calls, I have no patience to wait months before realizing Credit Karma will never respond to me, and if they did, they would just tell me to contact XXXX XXXX  and the cycle continues. 

I did independent research and found someone who had that exact same problem as me, and this was the method he said worked for him. 

I need to file a complaint with XXXX XXXX, to take that report off of my account because that's exactly what they did for the man who shared this method to the internet. 

I need to file a complaint with Credit Karma. 

And I need to file a complaint with XXXX. 

I need my credit protected. I will be having my first child this year, and I need a house, and I can't get one with my credit sinking because a fake company wants to take money from me. 

Any help would be appreciated.