Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX we received a Notice of Discharge from a Chapter XXXX Bankruptcy Case. I have a new credit card ( obtained in XX/XX/XXXX with XXXX XXXX , XXXX - a XXXX XXXX XXXX XXXX  ). I have used the card and paid on time each month. My credit score was almost at 700. On XX/XX/XXXX, I tried to use my card and it was denied. On XX/XX/XXXX, I called and was informed my account was restricted. I was told it was because they received a Notice that we were IN BANKRUPTCY, which clearly was an error. I had to call my attorney, get her to fax a copy of the NOTICE OF DISCHARGE and they removed the restriction. They then changed my due date to the XXXX so that I wouldn't be marked as paying late. I filed a complaint with the XXXX. XXXX then sent me a form to sign giving them permission to release my information and essentially close the complaint with the XXXX. I refused because I was afraid that the next month, I would have another issue, either reported to credit bureaus as late, or XXXX restricting my account again. Well, turns out I was right. In XX/XX/XXXX, they CHARGED OFF MY ACCOUNT. I found out when I tried to make a payment. I check my credit and found out that the account was charged off and I lost almost 100 points! My score was XXXX! I almost fainted. I have called these people repeatedly only to be told that they had to make a request to find out what happened and to get the charge off removed. I was told I had to wait for a letter to arrive but they were going to correct the error. They finally removed the charge off comment, but my score is still at XXXX. I want my points back. I should not be penalized because XXXX made errors in reporting to the credit bureaus. I should not have to wait for my points to build back up. I was on the verge of purchasing a home to take in my XXXX year old, XXXX mother. Now the lender won't even talk to us because my score is lower now than when I was in bankruptcy. This is not fair. I have rights under the Fair Credit Reporting Act. The credit bureaus should be made to put my points back on my account to the status I had prior to XX/XX/XXXX when the first error was made. I am at a loss as to how this is even possible, but it happened and I'm paying the price for XXXX 's incompetence. My issue now is really with the credit bureaus, and with XXXX not explaining their error to the credit bureaus. They simply asked them to remove the charge off comment as if I may have paid whatever was due and they reversed the comment. Not the same as saying THEY made an error and that I shouldn't be penalized by losing my points. This is not fair. I called the " Presidential Line '' of XXXX and was told that they did all they were going to do by removing the " charge off '' comment on my credit reports to the 3 bureaus. They said that was all they were going to do and that I had to take it up with the credit bureaus to have my points restored that I lost because of THEIR incompetence and ineptitude! This is not fair! I am sick over this. I started having XXXX XXXX at the end of the conversation and the lady hung up on me. I can't take this anymore. It's just not FAIR!!!!

Company response to consumer: Closed with explanation