Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX has ganged up to retaliate against me for filing claims with the CFPB. Since the closing of my previous claims and my feedback to those claims, I have experienced deformation to my ability to understand policy 's pertaining to the laws of credit reporting. I have only one open account on my credit report yet Equifax has has a duplication of that account reported on my profile. They notified XXXX to do the same. XXXX notified me of this update they received from Equifax and ensured me that they had added this new account and hard inquiry to my profile. I am certain that they committed this deliberate wrong against me in retaliation because in contrary to what Equifax and XXXX has reported to the CFPB the lenders of this account never ran a current hard inquiry for the account ending in XXXX there was only a hard inquiry ran by them during the initial opening of this account ending in XXXX. I had to change out my credit card and with XXXX XXXXXXXX XXXX  your credit card number is the account number and Equifax was not aware of this fact before pulling this stunt against me. They stuck with the fabricated tale along with all of the others that they obtained the information from the creditor 's. They claimed that all of these locks, blocks and remark codes are from mistakes I have made during the set up of my account, yet I have had my account for over four years and amazingly now that they see me a problem I am unscorable, I have debt with my creditor for XXXX XXXX and XXXX  dollars I have permit locks on my profiles for my protection for entering my social security number wrong during the set up of my accounts, I am pressured to obtain a letter from my creditor to have a fraudulent hard inquiry removed from my profile that they never put there. The list goes on and on keeping a rollercoaster going endlessly. This has hindered me from obtaining a better quality of life, I have not been able to apply for credit of any kind due to the random and frequently changing of my score and status of my accounts daily. If anyone pay close attention to the dates then you will see how manipulative Equifax and XXXX has been. Look also at the provided information showing how it is obviously the same account. Somehow the credit bureaus are able to go into consumer accounts with their creditor 's and obtain information that is not reported to the bureaus but may have been a transaction in your account with the creditor 's. I had this same issue with XXXX but once I notified them about the exposure of my bank account balance the fixed this issue with no problem but I can't say the same for Equifax and XXXX because they pull this information on their own to use adversely in retaliation. Equifax has proven to spearhead these unethical behaviors from my experience and XXXX coattails and follow suit without questions. They acknowledge certain truths about the account and they still refuse to stop the immoral nonsense. This is abuse of power and it needs to stop. This has gone on for about two years now maybe more because I have lost count. I had been very overwhelming, time consuming and extremely stressful with learning how they could be so calculated, manipulative of the system and bully 's so pettily and immorally uncalled for.

Company response to consumer: Closed with non-monetary relief