Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see attached for my dispute against the XXXX XXXX XXXX  XXXX XXXX. It lists several violations of consumer finance law and violations of the ADA. In short XXXX stopped generating paper AND paperless statements for my credit card and revolving student loan accounts in sometime between XX/XX/XXXX and XX/XX/XXXX. I logged in on or around XX/XX/XXXX to find the system showed XXXX accounts active or closed. Moreover, the system listed XXXX ( XXXX ) statements and indicated I was not eligible for electronic statements. TILA/Regulation Z requires XXXX send me periodic statements. They did not. Th normal rebuttal would be " you could have accessed your statements online. '' I could not because their system showed I had XXXX accounts. XXXX was notified within a sixty ( 60 ) day period when in XX/XX/XXXX I e-mailed and notified XXXX of the billing error. They acknowledged it was their error and that their system and automatically dis-enrolled me from paper an paperless statements. I filed disputes with the CRAs in XX/XX/XXXX because XXXX began reporting my accounts as delinquent despite not providing statements and XXXX ( XXXX ) records in the system showing I had ANY accounts. It was never fixed. I took screenshots in XX/XX/XXXX, XX/XX/XXXX. In XX/XX/XXXX the accounts were allegedly charged-off and XXXX locked me out of online access. I filed a complaint with my state regulator in XX/XX/XXXX and they sent a close-out letter today, XXXX XX/XX/XXXX stating that they could not investigate the truth of fact, and notified me that they could investigate no further because XXXX filed two ( 2 ) separate lawsuits in small claims court for the maximum amount. Moreover the stated the documentation provided by XXXX showed I allegedly violated the card agreement due to " several late and missed payments before and 'after ' COVID ''. That statement is curious because the pandemic still exists. If what the state regulator was referring to, the I should make clear, as I did in my statement to the regulator, I've had XXXX XXXX XXXX : XXXX in XXXX XXXX, XXXX in XX/XX/XXXX. Each of those periods was followed by afflictions of long-XXXX  that lasted for over XXXX ( XXXX ) year for which my daily activities were compromised because I had brain swelling with microbleeds. On those grounds alone, I am a XXXX individual under the ADA. I also have ADHD and take XXXX and an XXXX. Supply chain disruptions have made it difficult to fill my medication during the pandemic. Sudden halts in the combination of medications can cause XXXX. Overall, it is clear XXXX has engaged in unfair, unlawful, and abusive practices. Given I'd filed complaints against XXXX within one-hundred twenty ( 120 ) days prior it would seem XXXX 's used, an continues to use the courts as a means of harassing me into paying. XXXX, the court has ordered mediation. This is supposed to be a reputable credit union. However, that is how they are treating current and former XXXX members that are XXXX. The full complaint/dispute is attached.

Company response to consumer: Closed with explanation