They're one of the big trimerge report providers in the mortgage space. They may well do other pulls for lenders who don't have a direct relationship with the bureaus.
They're a legit and pretty large company, sounds like there's a mistake somewhere like someone miswrote a SSN or something on a loan app. Was it just on EQ or does it show up on the other bureaus too (which it would in the mortgage case).
@babbles wrote:She did it as an individual not joint, how could they have gotten my info, nothing was listed for me? We didn't even want Toyota financial to hit here credit but glad they did, Navy Fed offered a pre-approved loan at 3.50% for a 2014 compared to capital who offered 2.99% at the same terms.
It shouldn't have unless they changed backend systems in the last few years... wasn't setup that way when I worked there if it wasn't on the app it didn't exist.
What you should do is pull your EQ report from Equifax directly, which you had access to for the dispute. I think EQ does this too but I don't have my reports saved on this computer, but this is an example of a Credco pull on Experian where they actually list who they pulled on behalf of:
FIRST AMERICAN FINANCIAL/CREDCO
Date†of†request
05/03/2016
10277 SCRIPPS RANCH BLVD
SAN DIEGO, CA 92131
800 523 0233
Address†identification†number
0716527410
Comments
Real Estate on behalf of CARDINAL FINANCIAL COMPA. This
inquiry is scheduled to continue on record until Jun 2018.