Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: What happened was as I went to my annual credit report I noticed I had a lot of hard inquiries which dropped my credit score tremendously. I have XXXX inquiries from XXXX XXXX here are the dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with this company I called them and they refused to remove them because they said they were accurate and I told them that I just noticed them on my report and have no idea where they came from and they said we are sorry but it says they are yours so there yours. XXXX XX/XX/XXXX I called them and they told me that this would be removed in 5 days and this was over a year ago and still on there. Next one is from XXXX/XXXX on XX/XX/XXXX I had others removed from my account from the XXXX company format and they were supposed to remove all of them and thus this one still remains and I dont no why.then on XX/XX/XXXX there were multiple inquiries on this day one XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. And I told these companies I dont even drive why do I need a auto loan I 'm on XXXX due to XXXX and a fear of road rage. And they told we are sorry for the incovence we will remove these inquiries from your credit asap and yet they still remain.XXXX/XXXX is I 'm assuming a loan company which I 've never heard of and they showed up on my report on XX/XX/XXXX I tried contacting them and they said they would look over it and return my call still no response. On the date of XX/XX/XXXX I noticed two of the same account from credit plus either a credit card or a loan company that ran my credit with out my knowledge they informed me we are sorry but we can not remove it until the time lapsed to full years. XXXX XXXX XX/XX/XXXX is not correct I applied to that company in XXXX for money for my kids XXXX and they desided again to run it in XX/XX/XXXX of the following year without my knowledge somehow. XXXX XXXX XXXX XX/XX/XXXX is a incorrect account since I used this company from XX/XX/XXXXuntil XXXX for college and I graduated and they said I applied for another school loan which is inaccurate. XXXX/XXXX on XX/XX/XXXXthis I 'm assuming was ran on my credit and XXXX two was ran from the XXXX credit card company on XX/XX/XXXX and XX/XX/XXXXwhich I called them and said these inquiries are incorrect I have a credit card through your company already why would I apply for the same credit card. And they told me sorry sir we will fix this as soon as we review that u indeed have a credit card through our companies which I indeed do have a store credit card through them and they still have not removed the info. Then from us bank I had a inquiries from XX/XX/XXXX and one on XX/XX/XXXX for the same thing a credit card which which at this time I already had a credit card which I only wanted to use to build my credit so I could establish enough good standings so I could purchase a descent home for me my wife and kids and yet all these inquiries kept popping up hurting my credit scores and pulling me under water along with another creditor but this time was a loan company that I already taken care of. And the company is called JH portfolio for a 4 year old account for XXXX dollars and they removed it from my account as closed and current back on in by another creditor as passed due and derogatory and opened. Then this year I went and got another loan from the same company called world finance and they gave me a loan so if I so didnt pay my debt why would they issue me another loan for more money and they said they ai n't sure what is going on. So I tried all I could do to support my family and I on my XXXX check and get a home and still these people keep dragging me down and running me in the ground. So as my last resort I am reaching out for help once again to get them to be removed and have them leave me and my family and credit alone. Thanks so much and XXXX bless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation