Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: FL
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:
Today I received an email from XXXX XXXX ( XXXX ) which advised that I had a reduction in my credit score. When I went into CK it said my XXXX XXXX went down from XXXX ( XX/XX/XXXX ) to XXXX ( XX/XX/XXXX) & Equifax went from XXXX ( XX/XX/XXXX to XXXX ( XX/XX/XXXX ). 
I called XXXX XXXX and they said it was a 30 60 days late payment back in XX/XX/XXXX which caused it to go down. 
I reviewed the two months of scores with both credit services and see that the XXXX 30-60 days late was on the current and the prior months report. 
I also checked all of the other factors which may change a score and with regard to hard inquiries there were 5 which were the same as in the past. 
No new ones. 
No late payments since the alleged XX/XX/XXXX. 
No derogatory entries. 
And finally my overall balances were reduced. 

See below a copy of reports : XXXX XXXX XX/XX/XXXX Overall, your credit is in fair shape.XX/XX/XXXXEquifax XXXXFair Calculated using XXXX XXXX XXXXToday Credit FactorsCredit ChangesCredit Report Take a look at your credit factors to see how you could improve. 

Credit card use HIGH IMPACT 17 % How much credit you're using compared to your total limits View details Payment history HIGH IMPACT 100 % Percentage of payments you've made on time View details Derogatory marks HIGH IMPACT 0 Collections, tax liens, bankruptcies or civil judgments on your report View details Credit age MEDIUM IMPACT 10 YRS 10 MOS Average age of your open accounts View details Total accounts LOW IMPACT 46 Total open and closed accounts View details Hard inquiries LOW IMPACT XXXX XXXX XX/XX/XXXX Number of times you've applied for credit View details Overall, your credit is in fair shape.XXXXEquifax XXXXFair Calculated using XXXX XXXX XXXXToday Credit FactorsCredit ChangesCredit Report Take a look at your credit factors to see how you could improve. 

Credit card use HIGH IMPACT 17 % How much credit you're using compared to your total limits View details Payment history HIGH IMPACT You are currently viewing a past report from XX/XX/XXXX. Switch To Latest Report. 
Overview47Accounts5Credit Inquiries0Collections0Public Records Back to Full Credit Report View Jump to Next Steps Find basic information from your credit report on this page, including an overview of your credit score and credit accounts. You can also find personal information, such as your reported names and addresses, here. 
XXXX Your Credit Score XXXX XXXXExcellent Account Mix Credit Cards 22 Real Estate 9 Auto 11 Student 2 Other Loans 3 Total Accounts : 47 Personal Information Names Reported XXXX XXXX EQUIFAX XX/XX/XXXX 100 % Percentage of payments you've made on time View details Derogatory marks HIGH IMPACT 0 Collections, tax liens, bankruptcies or civil judgments on your report View details Credit age MEDIUM IMPACT 10 YRS 10 MOS Average age of your open accounts View details Total accounts LOW IMPACT 50 Total open and closed accounts View details Hard inquiries LOW IMPACT 7 Number of times you've applied for credit View details Equifax XX/XX/XXXX Print this Report Credit Report Provided by You are currently viewing a past report from XX/XX/XXXX. Switch To Latest Report. 
Overview50Accounts7Credit Inquiries0Collections0Public Records Back to Full Credit Report View Jump to Next Steps Find basic information from your credit report on this page, including an overview of your credit score and credit accounts. You can also find personal information, such as your reported names and addresses, here. 
XXXX Your Credit Score XXXX XXXXExcellent Account Mix Credit Cards 25 Real Estate 8 Auto 12 Student 2 Other Loans 3 Total Accounts : 50 Personal Information Please let me know if everything was the same or better than two months ago how does my score go down?

Company response to consumer: Closed with explanation