Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I became victim of Identity Theft on XX/XX/XXXX by the hands of the XXXX XXXX employee who made an Inquiry outside of the company he's employed. The company he made an Inquiry without my knowledge or consent is XXXX XXXX XXXX located in XXXX UT. I did not apply for credit with this company & had no knowledge it existed. I applied for XXXX XXXX XXXX XXXX XXXX ( Card only to be used for purchases INSIDE of XXXX XXXX locations ONLY ) After the employee entered information from my Identification Card ( State ID ) to his computer, he told me my application was denied. I started to complain because my credit reports were locked with Credit Monitoring in place as I paid monthly for this & had been with Equifax for many years to protect my credit. He then made a call from the same desk he said I was denied. I asked him to contact the department who denied me. The agent made a call, spoke to someone & then handed me the phone. There was a man who identified himself as an employee I spoke to investigate why I was denied. The man asked for my personal information to check the application submitted by the employee. Within a few minutes the man return with an approval. I asked the man I spoke why was I denied in the store & be approved on the phone. He had no answer. I purchased an appliance with the approval of the instant credit. I was not issued a card on sight while being approved. I never thought a would actually steal/used my personal information in the store he is employed but he did. After the employee transacted the sale in the department he worked ( XXXXXXXX XXXX XXXXXXXX ). I walked in with a credit score of XXXX & left with a decline credit score of XXXX within minutes. It was then I knew something was wrong as I started complaining XX/XX/XXXX. It's been non stop since this day as Equifax has never worked on my behalf to FULLY investigate my disputes & claims although I never had any problems with my credit reports before BEFORE XX/XX/XXXX. I did not know the employee at XXXX XXXX prior to my visit in search of a new refrigerator. I had a Credit Card with a very high limit ( my already established lender ) but decided to apply for the Store Credit Card AFTER being approached in the store this day by the employee who made an Inqury without my consent. Also, the company 's name had been altered to appear on the Inquiry as XXXX XXXX which was changed from a hard Inquiry to a soft inquiry. I received a letter by the company XXXX XXXX XXXX XXXX that their company decided I could NOT obtain credit from them. XXXX XXXX employee is responsible for this because he used my info to apply for credit without my consent. I had more than enough of creditworthiness. 

As of XX/XX/XXXX, XXXX XXXX started deleting & erasing ALL reporting of my ONE Creditor I had for years. There's not any traces of my creditor information of reporting each month as XXXX XXXX has totally removed my creditor using false & inaccurate information on all accounts. Even the closed accounts ( INSTALLMENTS ) that have been paid, closed : never late. XXXX XXXX has also reported my each of my accounts as late without actually marking off the accounts as late. I've never doubled any payments or had any deferred on any accounts. I've never made any late payments which is why I had the high score the day I went into XXXX XXXX. Equifax removed the Fraudulent Inquiry on XX/XX/XXXX after 18 months of fighting to have it removed with a Police report for Identity Theft. Equifax removed the account in XX/XX/XXXX. They kept the Inquiry to continue controlling my accounts to steal. I haven't seen anything my XXXX creditor has reported since XX/XX/XXXX as they've taken over my credit file posing as myself & pretending to be my creditor. 

My Mortgage with my lender ( not Equifax Mortgage Services ) has a XXXX XXXX as of XX/XX/XXXX & shows NO DATA is reported. Also XX/XX/XXXX it shows NO DATA was reported for this month except CLS is reported again. According to what the thieves has reported, CLS is a term used for CLOSED. This is far from truth! According to Equifax & the other credit bureaus, the term CLS is used for CREDIT LINE SECURED. There's NO trace of my Mortgage being reported by my Lender of 10 years. XXXX XXXX has also placed HIGH LIMITS on my credit card with my lender that shows a figure I've never used as the high amount as reported. I know XXXX XXXX has opened other lines of credit using my info, has done background checks for tenant screening, HUNDREDS OF SOFT INQUIRIES I didn't make NOR has given any potential credit to access my file because it is BLOCKED, Equifax has removed the Extended Credit Alert & replaced with an Initial Fraud alert, XXXX XXXX & THIEVES has also accessed my MEDICAL Files, has done ID reports, & has tampered with my Auto Insurance, added their business address to my files, along with ALL FALSE INQUIRIES to the one account. XXXX XXXX XXXX also has sent subliminal messages to my email disguised as threats. There's others involved working together with them against me, the consumer. Every Inquiry made has been FALSE including changing the Inquiry name 9 times. 

I have many complaints against XXXX XXXX in CFPB & the one who responds to each with a XXXX Letterhead uses 1 account ending in " XXXX ''. There are at least 6 accounts 2 reporting to each bureau being hidden. XXXX is The XXXX XXXX XXXX XXXX  issued by XXXX & I have never had any accounts with them. Equifax has a Police Report & FTC Affidavit on file. I had Credit Monitoring at the time of Identity being stolen & sold by XXXX XXXX. The employee represents XXXX XXXX & was employees at the time of theft. XXXX XXXX IS responsible for those they employ. I paid the balance of what I purchased with XXXX XXXX on XX/XX/XXXX. This is the ONLY day in XXXX XXXX location XXXX XXXX XXXX XXXX, IL XXXX. I received 3 Credit Alerts notifying me that NEW accounts opened & added to my credit reports on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. EQUIFAX FAILED TO DO COMPLETE INVESTIGATIONS WHILE CREDIT MONITORING WAS PAID MONTHLY & THEY GRANTED XXXX XXXX THE FAVOR OF CONTROLLING MY CREDIT REPORTS WHILE KEEPING THE FALSE & FRAUD INQUIRY & REMOVING THE ACCOUNT WHICH BELONGED TO THE INQUIRY 18 ADDITIONAL MONTHS. I've also been blocked from viewing my online accounts accessing my credit files.

Company response to consumer: Closed with explanation