Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently on XX/XX/XXXX apply for a target card. I was declined, a few weeks later I look at my credit report and it shows target ran my credit again I believe XX/XX/XXXX which why would I try to apply again 2 weeks later. I call target report to them whats showing they said they was gon na get it takin off. Still showing thou. Please I need this remove the one showing on the XX/XX/XXXX. 

I recently apply for a XXXX credit card on XX/XX/XXXX as well, they said they need time to review it and will respond within 7 to 10 business days. Well I went to the XXXX store to purchase something for my sister bday on XX/XX/XXXX, I went to pay and the lady at the cash told me if I wanted to apply, I told her I had already apply online and I assumed I was declined. As she rang me up she said well it shows here u r pre approve for a credit cars with XXXX, I told her well I dont know, she said well its pre approve and I told her ok thats fine but do u have  to run my credit again, the lady said no because she said they probably approve me when I filled out the application online on the XX/XX/XXXX so I said ok. Well again I received a alert about my credit being check so when I look it shows XXXX again that ran my credit again on the XX/XX/XXXX. Which the lady at the store told me no they will not run it credit. I call the XXXX number for XXXX   and explain everything and she told me that I was right and she was gon na have it remove. Well its still showing and please I need this removed I recently had a collection on my credit for a phone my brother n law open back in XX/XX/XXXX. Well I had no idea because I gave up on my credit back in XX/XX/XXXX after my mom XXXX XXXX and since never check my credit or even tried to apply. But when I recently in XX/XX/XXXX tried to apply for a furniture store credit card and when I was declined I decided to call a credit card lawyer. When they told me about the XXXX being open I went crazy. I tried to dispute it and they rejected me so again I call them and settle with them but prior to our conversation the debt collector told me it would take about 3 to 5 or up to 30 days to be takin off my credit which its still showing. Please I settle because I have kids and they r growing and I need my credit for theyre future. Please remove this ASAP Last I was trying to apply for another furniture card on XX/XX/XXXX again they declined me too so than they sent me a email regarding a company call epic pay where it says no credit check or anything and it was lease turn. So on XX/XX/XXXX I said well since it says no credit check all I need was a banking account and credit card thats all I needed to get the loan lease to purchase the furniture, well again I just received a alert of someone check my credit and they had ran my credit again. I feel so betrayed because the last 2 months I work so hard on fixing my credit because of my XXXX kids and being a single mom and they need me for theyre future for college, my daughter drives this year she gets her full license and I wanted to lease her her first car. I never thought about my credit after my mom pass and now 11 years later when I try to get my kids bedroom sets for XXXX and was turn down and paying a credit lawyer to fix my credit which I just end up settling because they told me they will have it takin off My scores drop worst than me ever in the pass 11 years that I didnt apply for credit. Please. I call them all they said they r gon na take care of it and ads r lying and Im getting all these hard pulls for when 2 I only apply 1 time and 1 that says they dont check credit and 3rd after I settle my last payment it will be remove. But all I see is my score dropping so fast. Please I appreciate if you guys help me.

Company response to consumer: Closed with explanation