Consumer complaint received 2018-04-12
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: EQUIFAX, INC. (KS)

I check my credit report usually once a year and I was surprised to find out that I have inquiries on my credit report that I don't recognize and addresses as well. I contacted by phone Equifax to dispute the addresses and the inquiries. They opened an investigation and they sent me a decision letter on XX/XX/XXXX confirmation # XXXX that they decided to delete four addresses from my credit report address # 1 XXXX XXXX XXXX XXXX XXXX, KS XXXX marked as deleted, address # 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX marked as deleted, address # 3 XXXX XXXX XXXX XXXX XXXX, MO XXXX marked as deleted, address # 4 XXXX XXXX XXXX, KS XXXX. I waited a couple of weeks and checked my credit report and surprised to find out that Equifax deleted the four addresses that I deleted were still showing on my credit report. I contacted Equifax again by phone questioning why the addresses are still showing on my credit report, they said they were going to open an investigation and let me know. OnXX/XX/XXXX I got another letter confirmation # XXXX the letter stating the four addresses I mentioned earlier each one of them marked as deleted and removed from my credit report. I waited a couple of weeks and checked my credit report again and I was shocked to find out that the four addresses I mentioned are still showing on my credit report. I contacted Equifax by phone and spoke with the representative and told her to transfer me to a dispute specialist. I explained to her everything I have been through and she told me to hold on the phone to check what is going on after a couple of minutes she confirmed that I got two letters that is stating that the four addresses that were supposed to be deleted and be removed but she does not know why the addresses were not removed. Then she said that she is going to have them removed until this day of XX/XX/XXXX the addresses are still showing on my credit report. About the hard inquiries that are showing on my credit report, they didn't reply to my dispute, it's been about 45 days and by law they need to respond in 30 days with the investigation results which they did not. By law if a credit bureau doesn't complete the investigation or they don't respond in 30 days it has to be removed from the credit report. I am referring to the hard inquiries that I have on my credit report. Inquiry # 1 XXXX XX/XX/XXXX. Inquiry # 2 XXXX XXXX XXXX XX/XX/XXXX. Inquiry # 3 XXXX XXXX XXXXXX/XX/XXXX. Inquiry # 4 XXXX XXXX XXXX XX/XX/XXXX. Inquiry # 5 XXXX   XX/XX/XXXX Inquiry # 6 XXXX XXXX XXXX XXXX XX/XX/XXXX. Inquiry # 7 XXXX XXXX   XX/XX/XXXX. I tried to locate each business by phone and by sending all of the companies on XX/XX/XXXX a letter that is stating that their company pulled up my credit report without authorization and asking them to send me any kind of proof of me giving them permission to pull up my credit report if not then have that removed from my credit report. All of them were giving me the run around and giving me all kinds of excuses that they need to find it, or they need to find the permission paper and it takes time because they have to get it from the archive. Only inquiry # 7 XXXX XXXX  XXXX XXXX   they replied back to me a long time ago onXX/XX/XXXX stating that they are going to remove that inquiry from XX/XX/XXXX and they are going to let Equifax know. I also sent the same letter that I got from XXXX XXXX to Equifax and confirmed over the phone that they received it. Even though it has been more than 4 months since they received it they are still not deleting the hard inquiry from my credit report. I will be attaching a letter that I sent to all businesses that pull up my credit report and I will also be attaching the letter that I got from XXXX XXXX. All my attempts that I made with Equifax to find out why they are not deleting the hard inquiries from my credit report even though I sent Equifax all of the information, everytime I contact Equifax by phone they promise that everything will be deleted which they do not. Therefore, I request the CFPB to order Equifax to delete from my credit report the four addresses I mentioned and the seven inquiries on my credit report that I have no knowledge of them.