Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a military veteran who has traveled around the world and when I came back from XXXX and wanted to settle in this area to buy a house I went to check my credit for the first time ever and was stunned there were things on my report I had never even heard of, but I have an insanely common name, XXXX XXXX, so I figured it goes with the territory. However, still it is disheartening and I need these mistakes and some down right fraudulent things off of my report. Some of the security questions even ask me about mortgages I have never had in my entire life, that alone scared me to death. Anyway, you see my concern! So in this particular case, I have 3 hard inquiries that are not authorized in no way shape or form. Apparently XXXX has a history of wanting sales, as I see on the internet there is even a class action suit against them for charging people for service they did n't order or add on 's they did n't order. So is in my case, I never ordered their service! I called three different servers in my local area asking about services and their customer service reps were horrible and I was told my credit would not be ran, I was insistent about it not being ran, and reassured it would not be! I was told that by all three, and apparently XXXX lied, as they are the only one that showed up on my credit report. You can check, I DO NOT have their service and never did. I am also writing their company complaining of their horrible business practices but looking at the massive complaints online, I doubt they will notice mine. I need their fraudulent inquiry off of my report post haste. Also I need two inquires from an XXXX XXXX XXXX, each summer from XX/XX/XXXX and XX/XX/XXXX, a XX/XX/XXXX and a XX/XX/XXXX they ran my credit? That is scary because I never ever ever inquired about any mortgage  just like the weird security questions were asking me about a mortgage in XX/XX/XXXX that I also never had or even heard of for {$1500.00} and something dollars. I pray that nobody got a mortgage in my name, it sounds like a big house if they did, geeze. I wrote a note to the credit bureau and put a fraud alert on my account for awhile. Anyway, I am trying hard to get all of this stuff off of my account/and records. I did not authorize anything like this, NONE of the THREE inquiries are authorized and I asked customer service to remove them and they have not helped me. Please please delete them immediately. I have a wife with XXXX XXXX, the last XXXX kids ( out of XXXX ) I still have to raise, and now grandkids I have to help raise. I desperately have to buy a humble house to raise my family in and I served my country thinking the whole time that I was doing good by not checking my credit. I did n't know till recently that I should have been checking it all the time, cause apparently someone was messing with it. Please help me. Thank you, Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX or XXXX XXXX XXXX ( wife/if I am at work ) , last address XXXX XXXX XXXX, XXXX, MO XXXX ( just 5 mi down the road ) - then I bought land to build my house on, where I am now.

Company response to consumer: Closed with explanation