Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Summary of the problem : I had two debit accounts with XXXX  bank : XXXX XXXX and XXXX XXXX XXXX. The first was satisfied and removed after a settlement with the XXXX XXXX  in XX/XX/XXXX. The second one was forgiven based on XXXX XXXX XXXX on XX/XX/XXXX. All three credit bureaus accepted my dispute for removing XXXX account. XXXX XXXX and XXXX removed XXXX account based on the XXXX XXXX Equifax is the only one that did not remove that account despite receiving the XXXX ; the bank forgave the account, and it removed the other account, Banana account!! Since XX/XX/XXXX, I have filed four disputes with Equifax regarding XXXX account with no good results. Each time I contact that bureau, it says a different story. I believe the credit bureau plays games, is unprofessional, and does not respect people 's time and future. Here are the details Disputes regarding Account XXXX XXXX XXXX Dispute date XXXX Dispute result XX/XX/XXXX. 
Dispute date XXXX Dispute result XX/XX/XXXX Dispute date XXXX Dispute result XX/XX/XXXX : number XXXX. 
Dispute date XXXX Dispute result XX/XX/XXXX number XXXX All results were no positive change Verified as Reported. Equifax keeps reporting the debt amount of {$930.00} since I filed first dispute in XX/XX/XXXX till now, in contrast to the other two bureaus and my reports on XXXX and XXXX XXXX. Also, the same bureau, Equifax, removed my other past record, XXXX XXXX, with the same debtor, XXXX  bank, a few months ago. I do not know why they keep reporting XXXX {$930.00} record!! I offered to pay the debit, but it refused that!! Equifax always says that the bank refuses to remove my charge-off account, and Equifax is not the problem. On the other side, the bank keeps saying the opposite. 

XXXXXXXX XXXX In XX/XX/XXXX, I sent my XXXXXXXX XXXX to the three bureaus as a major reason for my dispute. On XX/XX/XXXX, Equifax representative denied they received XXXX XXXX, so I resent it. On XX/XX/XXXX, they said, " They received it, but the copy is not clear. '' Therefore, I resent it. I called them again to ensure they received my certified mail with XXXX. They received the third same copy. On XX/XX/XXXX, the representative assured me, " there is no problem now, and my debit should be cleared ''. That was another lie ; the record with the same results was still on my report. They did not consider the tax form XXXX XXXX!! 

Verification documents and phone call In XX/XX/XXXX, after three months of several calls and two disputes, Equifax sent a letter dated XX/XX/XXXX asking to make sure my spelling name!! 
As Equifax requested, I sent a certified letter, including a cover letter, ID, and SSI Card, on XXXX to their physical address, XXXX, GA XXXX. They insisted on sending everything by mail, not online, which takes longer. I called to ensure they received that, but they said they would send me another letter. Their second letter, dated XXXX, was the SAME one, exactly, asking for verification documents for my name spilling AGAIN!! 

I called them on XX/XX/XXXX to see why they sent the same letter again and whether they received the documents. They said no worry and admitted they received everything. Still, surprisingly, and in the same phone call, the representative asked me to verify my name AGAIN on the phone by going through a long process, including taking selfie/passport, biometrics, and voice!! I do not know what the purpose was besides wasting time and playing games. The representative promised to remove the record, and I should not have any problem. After that, I got no change in the record. Same silly game!! 

More phone calls and disputes I called again because of the bad result of dispute 3. The representative refused to remove or delete the account and said, " call XXXX XXXX, not us ''!!. The bank assured me that it has no account, and the problem is Equifax!! 
I called on XX/XX/XXXX, and Equifax said " the bank refused to remove the XXXX record. ''!! I called on XXXX the representative said, " sorry for the inconvenience '' and pushed me to accept filling another dispute during the phone call, number 4. I did not want to do it, but i was told that would fix the problem!! The response came in a letter dated XX/XX/XXXX with the SAME result, Updated with NO change. 
I called on XXXX and finally again on XX/XX/XXXX, and they asked me to give them 24-hour authorization to discuss my issue with the bank and said to call the bank and let it call them. The bank refused to do so. 

It is a stupid loop, and I am not interested in that. Hence, I informed Equifax that they should remove the account from my report otherwise, I would file a complaint to you. They responded, It is up to you ; go ahead. 

Scores On XXXX, Equifax raised my credit score to XXXX, then dropped it to XXXX, while XXXX XXXX and XXXX removed that account and another account of the same debtor and raised my score to over XXXX on XX/XX/XXXX. Please see attachments ( 7 in total )

Company response to consumer: Closed with non-monetary relief