Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I noticed my equifax score had dropped by XXXX points according to XXXX XXXX. It showed a delinquent account from a collections agency that had been fully resolved back in 2022. XXXX XXXX. It showed a XXXX balance but said it was a delinquent account. It is worth mentioning that XXXX does not show this error. 
I went to the collections company, XXXX XXXX, website, XXXX XXXX XXXX It showed account paid and fully resolved. I then chatted with XXXX XXXX. They instructed me to file a dispute with Equifax since XXXX XXXX only reports the data given. 
I signed up for equifax core service for free to see my credit score from them. It was the same as XXXX XXXX. XXXX, should be XXXX. It showed the reason as a delinquent account. When I attempted to dispute the account, equifax site showed that I could not dispute because there was nothing to dispute. I then chose to call Equifax to speak with an agent. 
I spoke with XXXX on XX/XX/XXXX. After providing my personal information again, she looked at my account. She stated that I had no collections on my file. I told her that on their website it showed i did have a collection. The agent then started telling me the generic statement of how they are not at fault, and that their information is based on the data provided by banks, collections, etc. I then asked, what information, because she stated I didnt have any collections to dispute. I then stated, i had XXXX credit. The only change on the equifax site was a delinquent collection, that had a last contact of XXXX of 2022. So " what made my credit drop then, if it isn't this error? '' XXXX stated the same statement as before blaming other entities. I then asked " so you are saying they reported incorrect information to you? '' She answered yes. I then brought up again that according to her, there is no information. I then asked, " doesnt it make more sense that equifax has an error or made a computer mistake? '' She said no sir. 
After this, i researched Equifax and was shocked to find that Equifax incorrectly reported credit scores of millions last year and were sued. The fact this company is allowed to be a major credit reporter is incredible. 
After reading that a " glitch '' created their problem last year, it surprised me how quickly the agent XXXX refused to entertain the idea that Equifax was wrong. 
There was no explanation as to what was going on. 
The facts, my credit dropped XXXX points. 
The only new negative mark was a collection with a XXXX balance. 
Equifax refused to allow a dispute because there was actually nothing there, appearing as a glitch to me. 
Equifax agent XXXX refused to help, or provide an explanation. She refused to look at the strange facts and research it further or hand it off to someone that could help. She simply focused on dismissing me. 
I worked hard to rebuild my credit and this is devastating. I did nothing wrong and it is clearly a computer error but Equifax refuses to correct it. 
The evidence is on their website. If any further evidence is needed, ask, and I will provide.

Company response to consumer: Closed with non-monetary relief