Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

Basically here 's what 's happened ... ..In XXXX I contacted a local Mortgage Brokerage, preparing to find a Refinance for the home I had recently bought through a buyer/seller agreement. I was wanting to know where my credit score stood and also to find a mortgage company to handle my refi. 
Most of us are ignorant of Credit Bureau requirements or what goes into making a credit score. I thought that by paying all my bills on time would buy me a good credit score! Well, a " few '' Mortgage companies started " looking into '' my credit worthiness, and I did n't know what that involved until much later when XXXX XXXX " found me ''. Before and after I was complying with their requests ( for 9 months!!! ) Other Mortgage companies were at the same time, unbeknown to me, also making Credit Inquiries! : - ( That put the number of inquiries, without my knowledge, up to a total of XXXX with Equifax!!! And in turn brought my credit score below acceptable limits with XXXX XXXX! Way below! I 've tried contacting Equifax but to no avail, round and round I went and did n't speak to anybody. They even have me living in XXXX, Florida and I 've never been to Florida in my entire lifetime! When I view those " inquiries '' I do n't recognize the dates, and certainly have n't made any attempts to get credit, seeing I was in the midst of getting the Refi with XXXX XXXX. I do n't even recognize them, who they are, or why they are there. Certailly not by MY PERMISSION!!! I did give into one " Prequalified Credit Card '' with XXXX because they offered a XXXX cent discount on their gasoline, but after XXXX XXXX did n't recognize one of my payments that I clearly made, and it counted as a late payment, I payed them off once and for all. When I called XXXX XXXX Customer Service and argues my point in a business-like manner they turned me over to the Supervisor who placed the phone on the table and just left me hanging on the line! 
Anyways, the " XXXX '' ... ... .I do n't think that 's fair. To have someone to make inquiries without knowing about it, or the long lasting smear it makes on the credit score for two years, come to find out, after the horse is out of the barn! XXXX did n't show that many, but, I think, XXXX. Even those, some of which I do n't know about and several are the same companies inquiring and I do n't have a clue, except that they 're likely Mortgage Companies Inquiries. I was right In the midst of a Mortgage Company deal awaiting the closing! So why would I be making, knowingly, more inquiries? Hellooooo!!! 
Now you are in the credit/financial business, I 'm not. You know what is fair and acceptable, right and wrong. I feel that I was wrongfully Inquired about and there 's nothing I can do about it. I pay all ALL my bills/credit cards, etc more than " On Time ''. I dropped/closed the account with XXXX XXXX after their irresponsible action.They were also doing business with XXXX, whom I 've had for quite a while, and did the same. I changed form XXXX XXXX to the regular XXXX account and pay early, not even on time. 
Listen, I do n't back down from my responsibilities. If I 've done something amiss, I take the consequences and go on and learn from my mistake and try not to do it again. But by golly I sure get riled up when something is done beyond my control and knowledge or permission and I have to eat Crow! I do n't think Equifax quite qualifies as, " God ''. 
Thank you for listening to my lengthy explanation. Anything that you can do will be very much appreciated. And If you ca n't, no harm is done, XXXX!