I am just beside myself. Equifax has repeatedly victimized me without a second thought. They are reporting information on my credit report that is NOT mine. They 're saying people can do a hard credit inquiry for " permissible '' purposes. The recent inquiries on my report DO NOT fall under " permissible '' because I have NEVER done any business with these companies. In addition, they continue to report a XXXX XXXX account as late that IS NOT MINE. Finally, they are reporting a XXXX XXXX Secured Card that my bank opened without my permission and was NEVER funded. The account was NEVER open and active. That should NOT be on my report! I have been victimized for years and I am begging for someone to PLEASE STOP THEM. I 've already proved information they claimed was " verified '' is false. Furthermore, I 've contacted the people who pulled my credit without my permission and they have no explanation. Those inquiries are illegal and need to be removed!