I am employed in the XXXX business, I see other people 's credit every day, I have been now over 3yrs since chapter XXXX bk and have well established my credit, have paid all accounts on time, a mortgage, a vehicle credit cards and so forth on XXXX the other day, my Equifax score dropped XXXX points!!!. I continue to be turned down for insurance, credit offers, etc, all the time because of my low credit rating, yet I consistently see others that DO NOT have the history or depth of my own and they are over XXXX, a young man the other day came in a year on the job and a collection and with a XXXX credit limit he was over XXXX. The reason I 'm being told my score is low is because of inquiries, yet how do you rebuild or build a credit profile without an inquiry? I have patiently waited and my score has remained low as I stated earlier I continue to be declined for a simple credit card because my score is low. They even refuse to remove a tax lien from XX/XX/2009 that the XXXX has removed on there end, I sent all documentation to Equifax. I feel that I am not being treated fairly and that the system is very flawed, ( I can without a doubt prove it ). I am requesting an investigation into all XXXX OF MY REPORTS THANK YOU XXXX XXXX.