Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: CA
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:
Hi, After trying to receive lost card from XXXX XXXX I was told I had to pay past due balance which was incorrect by the way to receive card. Under FCRA there is no requirement for a CC company to send ask for past due balance before sending CC. 

Moving forward I paid the past due balance and was assured my card would come in the mail within 7-10 business days after payment. I already waited almost 3 months prior after originally reporting my card lost or stolen. 

Company never sent card I kept getting transferred overseas and told that my card was on the way. 

I received an update to my credit file stating card closed at consumers request which I never requested. 

I contacted via mail disputing the status update and still no card. I reached out to CFPB, CFPB transferred compliant to Federal Division. Company will not respond to any of my disputes and never responded to CFPB complaint either. 

Please remove from my credit file as company does not respond and does not follow FCRA rules. I did not request my card to be closed I paid XXXX $ to have my card sent to me which I now know is an illegal payment action on the companies end. When I asked for lost card to be resent it wasnt sent and my dispute and any other regulators disputes go unanswered. 

I followed 30 day dispute process over 6 or 7 times now with no response from this company : Action please remove from my credit file. Attached is documentation of original complaint with no response from company over a year ago. I utilized CFPB website to document dispute and show how this company doesnt respond to help your removal process. Proving they do not follow 30 day response to myself or CFPB. Ive dispute letters, called and utilized CFPB to help solve this issue. Thank you Equifax, XXXX and XXXX for help on this one. Its damaging my credit. This company has inaccurate late pays reported and inaccurate status report. Also doesnt respond to disputes. Thank you, this is all I can do at this point is ask for your help as Ive tried my best to resolve with company. 


Original complaint below : CFPB number and screenshot will be provided in attachments, Thank you. 


YOUR COMPLAINT Good Morning, Thank you for taking the time to read my complaint. Applied and received an XXXX Credit Card with the sole purpose of rebuilding my credit score. This card is a secured credit card and was backed by a {$200.00} Deposit. I received card and for a couple of Months everything went well until I lost my credit card and needed a replacement card. Although the card was lost I contacted XXXX in XXXX to request to pay off my full balance. This is something I do every year after taxes to get a good financial footing representative stated my balance to bring account to XXXX  would be XXXX with all fees and interest. Representative also listed no pending charges or late fees. Paid {$300.00} with the understanding my account would be at a XXXX balance after payment.At this time I requested a replacement card as well I was told it would take 2 weeks. I asked rep to allow me time to find card I would get back to them EOB if I didnt find card. Contact back to XXXX due to not finding card. After 2 weeks still no card contacted XXXX to make sure My address was correct. Address was correct rep stated to wait another week. Contacted back XX/XX/XXXX still no card. Started the reissue of card process in XXXX. Two months later no card. I called to ask where my card was. Rep stated I had a balance of {$120.00} and the card was not being sent until I paid balance. She stated I had an available balance of {$160.00} but I could not use it until I paid {$120.00} balance in full. I asked how would I have a balance if I paid card off in XXXX she stated due to late fees. Which made no sense if I never received card. At this time I let her know I am a financial compliance Analyst for a financial institution and it was illegal to withhold a card due to no payment received, part two due to the fact the card was paid off in full in XXXX. I also told her there was nothing in their contract or list of benefits which stated this would happen. I told them I would be reporting them to CFPB for UDAAP violations and for withholding my card for no just cause. I was transferred to supervisor supervisior stated card would be sent and my remaining available credit would be placed on card for use. I diagreed with me owing anything but figured I would make a CFPB compliant and have this fixed through you all. This way other people can be helped with this their are a ton of complaints on the XXXX about their practices. Moving forward card comes but with XXXX. Availabile balance I call in they say I must make payment to use my available balance. Again I paid balance in full in XXXX. Still no access to my available balance and Im being charged late fees on a debt that isnt owed. Credit score has significantly dropped due to this company. 

View full complaint Referred STATUS CFPB referred complaint to another government agency on XX/XX/2018 REFERRED TO FEDERAL DEPOSIT INSURANCE CORPORATION

Company response to consumer: Closed with explanation