Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Equifax has has changed my report every 3 to 4 on the same days on the same issues causing my credit score to drop over XXXX points every 3-4 days. XXXX XXXX XXXX originally reported to Equifax in the beginning of XX/XX/2023 that my credit cards were closed they should be able to go back into my account and see this.1 ) They are now reporting that my accounts were closed in XX/XX/2023. They need to go back to the Original Date that XXXX XXXX XXXX first Reported my accounts Closed in XX/XX/2023. 2 ) Equifax has my complete payment history available for the whole world to see. This is an invasion of my privacy rights. They are able to keep thing confidential and this is something that should be confidential. They reveal very private info to defame my character in a particular way. XXXX is providing Fraudulent information to the Credit Bureau about when my account was closed after I contacted the CFPB and Equifax is helping cover it up. I want All my Private Payments History Removed from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Every time I disputed what Equifax reported they dropped my credit score on the same thing that they had already dropped it previously about. As you can multiple disputes for XXXX, XXXX, XXXX XXXX and XXXX. Equifax would go back into the same problem and lower my score for the same thing multiple times but never correcting their Errors made. 

1 ) I want All of my Personal payment history to be Removed and kept Confidential on All Accounts.

2 ) I want Equifax to Correct the Original Date XXXX Reported my account closed or I will seek an Attorney for Legal Assistance. 
3 ) I want my credit score to be Adjusted back to my previous score of XXXX in the Beginning of XXXX. 
4 ) I want ALL Negative Reports Removed from From Equifax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and All that was effected by the chain reaction of this event. 
XXXX caused my credit score to drop and my other credit card companys dropped my credit line balance because my score dropped suddenly over XXXX points. This is my Life at State Here. 
5 ) I want a Letter of Apology sent to me for the multiple errors and the man handling of my accounts. 

XXXX XXXX XXXXXXXX dropped my credit line down to my balance owed after I pulled money out of my account to pay for my hospital bills, out of pocket charges for my medical insurance and copayments. I have been dealing with a medical condition for the past 2 yrs while still keeping Good standing with All of my card carriers until XXXX XXXX XXXX XXXX. I havent received any information from XXXX  I found out that they closed my accounts through my credit monitoring service and I contacted them and they confirmed my accounts closed in XXXX. 
1 ) I want a Letter of Apology for the Errors made against me and Fraudulent accusations that I stopped making payments in XXXX when I couldnt because XXXX Closed Both of my Credit cards. I want XXXX to have All Their records restricted from Equifax starting from XX/XX/2023 to the present date. 
2 ) I want XXXX XXXX  XXXX to Restore my Equifax, XXXX XXXX, and XXXX Credit Score back to XXXX at the end of XX/XX/2023. This was XXXX Fault and Error. 
3 ) I was a loyal customer to XXXX XXXX XXXX for 14 years and this is how they handled me in my time of Hardship. XXXX XXXX  XXXX needs to Correct this problem ASAP. 

If Equifax never received information from XXXX XXXX XXXXXXXX about my credit line was lowed or revoked and the my accounts were Closed by XXXX  until this month of XX/XX/2023. 
Explain what caused Equifax to drop my credit score over XXXX points in XXXX weeks by their credit score procedures. I want documentation of their credit score procedures dealing with accounts reported as revoked and closed vs accounts reported as delinquent. I am sure there is a scoring difference between the two. And as Evidence how my score plummeted in XXXX from XXXX. I stopped making payments in XXXX because XXXX had Closed my credit cards and and sent my account to collections to negotiate a payoff. Only After XXXX XXXX  XXXX made their horrific mistake I looked for assistance. From XX/XX/XXXX to XX/XX/2023 my credit score went from XXXX to XXXX which disqualified me for Loan consolidations services. XXXX also reported me as filing Bankruptcy. When I never told them I filed that. I filed a National Debt Relief Plan XXXX XXXX XXXX Put in place by XXXX XXXX as a type of loan relief for credit card interest sky rocketing. 

I have filed Multiple Disputes with Equifax about the Fair Credit Reporting in which XXXX and Equifax are violating my rights. 
A ) Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days Equifax did not remove the inaccurate information they in return take my score down because of the multiple people touching my account. 

XXXX XXXX  XXXX is Fraudulently Reporting the Close Date as of XX/XX/2023. They originally reported it as XX/XX/2023 and this needs to be corrected. Equifax has the supporting documentation of the closed date as XX/XX/2023. 

You may seek damages you have the right to sue a consumer reporting agency and, in some cases, the person that used the consumer reporting agency that violates the FCRA.

If this can not be resolved this time I will seek legal advice and assistance to take actions.

Equifax and XXXX XXXX XXXX are reporting Fraudulently and providing changing information. 
I was never behind on my payments until XXXX XXXX XXXX Closed my credit cards and sent my accounts to collections to for a payoff thats why XXXX didnt get a payment in XXXX. 

XXXX has missed up my life and my livelihood to provide for my family. Equifax and XXXX are washing each others back while causing a single mother defamation and slander of my character. 
This is evidence in how many times they reposted my payment history attempting to paint a picture of me which is Bias and I may be racially motivated by the different people touching my account. 

XXXX Customer Service Representative XXXX ID # XXXX confirmed Today XX/XX/2023 @ XXXX XXXX That Both of my credit cards were Closed on XX/XX/2023 my Birthday! All calls are recorded and documented. He transferred me to a Credit Analyst Representative XXXX ID # XXXX confirmed both card was Closed by XXXX on XX/XX/2023 Visa XXXX and XXXX XXXX. She has sent a copy of the original closed date letter to me from XXXX Records. 

But Now XXXX XXXX XXXXXXXX and Equifax have changed backlogs and Falsified information. 

If XXXX XXXX XXXXXXXX XXXX cant Resolve this Fully by what is Requested. I will resubmit again once my Letters are received. 

Please be advised that today is XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with non-monetary relief