Consumer complaint received 2018-04-06
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: Investigation took more than 30 days

Complaint:
My {$14000.00} credit card account was closed by XXXX  XXXX XXXX on XX/XX/XXXX. Letter stated that they relied on information obtained from XXXX XXXX XXXX XXXX ( later I would be informed that it was due to inactivity, once I called the company - verbally! ). Upon contacting Equifax I was informed that the information that they have in relation to my credit report profile, did not match the reasons listed on the XXXX XXXX XXXX letter, particularly references to insufficient length of credit history, number of accounts with delinquency. Also informed by Equifax Representative named XXXX XXXX ID XXXX, that there was another individual with the middle name Summers ( my maiden name ), with my same first and last name, XXXX. XXXX explained that this may be the cause of any credit reporting errors that may be taking place. XXXX then informed me that he will contact XXXX XXXX XXXX to notify them of this and to say that account should not have been closed based on stated reasons in letter ( or something to that effect ). I was provided with confirmation number XXXX. Ultimately I was informed by the Equifax representative that XXXX XXXX XXXX also included this entry in my credit file : Affected by Natural or Declared a Disaster. 

30 days later I checked the status for XXXX by calling Equifax, at ( XXXX ) XXXX. The automated service informed me that the dispute has been completed, and that a letter was mailed out to me on XX/XX/XXXX. I was also instructed to check the status online. Upon checking the status on line, the dispute was still in Pending status. I placed another call to Equifax, only to be completely confused by being either told that the dispute was still pending, to the dispute being completed, with the later claiming that XXXX XXXXXXXX XXXX response was 'Yes, the account does belong to me ' ( or something to that effect ). Obviously this had nothing to do with the inquiry! Therefore I had to file another dispute with Equifax, confirmation no. XXXX to basically start the process all over again. This time I spoke to a representative named XXXX, who ensured me that the correct dispute notes would be entered this time. 

I then called later in the day and spoke to a supervisor, named XXXX in the XXXX XXXX division to inform he that I was not satisfied with how the first dispute request was handled ( or not handled ), and that I did not appreciate having to wait for another 30 days. Further, with regards to my dispute, XXXX informed me that they were only relying on the information that XXXX XXXX XXXX sent to them as it relates to my credit profile, and although they have sent out another dispute on my behalf that I may want to take this up with XXXX XXXX XXXX again. Well I am tired of going back and forth on this matter between the 2 entities involved, and I don't think I should have to! At this point I also want I may need to explore if there were any FCRA violations as it relates to this entire issue!

Company response to consumer: Closed with explanation