Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: WI
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:
Mr. XXXX, The actions of XXXX and the actions of our previous attorney XXXX XXXX removing XXXX  from the XXXX litigation without our consent or knowledge was a backdoor deal that granted XXXX plausible denial and lack of liability. We were told, " we could not sue everyone it would be a waste of his time and our money ''. The judgment was awarded against XXXX but we know the odds of collection. Three months were wasted due to a gross miscommunication in which XXXX still thought we had legal representation and thus would not communicate with us. We were told we own the loan, the delays have cost us the rebates that would have paid for the panels in full. 

Your erogenous deferment error dropped my credit score by XXXX  points and counting overnight! Applied for XXXX in interest-free financing for 12 months and denied by XXXX XXXX XXXX XXXX while just the week prior XXXX in new credit and a XXXX line of credit extended by my bank. Ordered an item from XXXX XXXX that never arrived. Check my credit report and my account is closed and I am now considered " High Risk '' due to the actions of XXXX. Your immediate removal of the " alleged error '' was not the solution this never should have happened XXXX had all of my checking information to automatically pull a XXXX payment and chose not to do so for the third time! This was supposed to be handled by you personally and not by automation for the third time. 

The actions of XXXX were a gross breach of contract not once but three times and each infraction impacted my credit maliciously and adversely. Your lack of immediate communication on this matter further impacted the situation. 

I consider the actions of XXXX to be predatory lending and will require years for credit to be rebuilt. That being said we are holding XXXX liable to the fullest extent of the law in this matter. In one day XXXX changed our lives and you have one day to fix the damage. The creditors affected by the actions of XXXX the credit agencies that received the report from XXXX now consider me high risk due to a fifty-plus one-day drop in my credit score. 

Your removal was only after you were informed due to me checking the credit report. XXXX had taken no responsibility has not contacted any of the credit entities on my behalf and this is not the first time over the course of two years that this has happened. XXXX failed to properly vet XXXX XXXX resulting in the loss of two federal rebates legal fees for a hollow victory with a deal made against our wishes or knowledge with XXXX. XXXX XXXX leaving us totally liable for over XXXX XXXX dollars. The processes to activate the panels were intentionally stalled Failure to comply will result in complaints to appropriate consumer and financial entities to include legal action if not resolve with resolution and compensation. XXXX  due to the actions of XXXX XXXX XXXX denied zero interest on one account and closed an account in good standing due to your misinformation of ninety-day delinquency expect to hear from you on this matter.

Respectfully,

Company response to consumer: Closed with explanation