Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I tried to submit a dispute online with Equifax over 2 collections accounts. The website was not working properly, I then had went on to chat with a Cutomer Service Rep, XXXX XXXX, and explained over the chat about the 2 collections accounts that are incorrect and need to be removed. I saved the transcript from the conversation. They were unable to process the dispute request due to an issue with the website so I was told to call Consumer Services and they provided the phone number. I called and spoke to a woman that said she can file the disputes. I received an email confirmation that my dispute was received however I was only given numbers and no other information as to what the numbers associated with only a link to check the status. I clicked on the link and it brought me to Equifax webpage. I was unable to login, unable to view anything. I then continued to receive the same emails with all different confirmations numbers and links to check status and on every email it brings me to Equifax webpage where I am unable to log in and view so I have no knowledge of what the disputes are or staus. I then checked my credit report today XX/XX/XXXX because I had seen through my bank my score had changed and I also went on to XXXX XXXX and seen changes had been made to my Equifax report. I began to research what changes and seen my credit card with XXXX XXXXXXXX was disputed and closed, my loan with XXXX XXXX that I had just opened in XX/XX/XXXX was disputed and closed, several of my student loans with Department of Education were disputed and one that is in good standing that I had just opened with XXXX is being disputed and could possibly be closed which shouldnt be and was never authorized to be disputed is now going to mess up everything I have worked on for the past few years regarding my student loans, yet the 2 items, the only 2 items were collections items : XXXX XXXX  on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, those 2 items were the only ones I filed dispute and those 2 items are still under dispute however nothing done. I called Equifax immediately for them to correct their mistakes and they claim there is nothing they can do. They also say the disputes were done online, however I never filed anything online, I called. It wouldnt be the first time Equifax has destroyed a consumers credit and life by their wrong doing. I have had my identity stolen due to their incompetence and the past 10 years I have been steadily working on repairing the damage they have created all for it to happen again. This company/agency needs to be shut down, they have destroyed too many consumers lives with their incompetence and ignorance. I have documentation showing the transcript of the chat where it clearly shows what I wanted disputed, I also have all the emails with several different confirmation numbers that I cant access. I want this corrected immediately and want Equifax shut down so they cant continue to scam people and destroy peoples lives.

Company response to consumer: Closed with explanation