Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. 
I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. 

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus.

Thank you. 

Sincerely, XXXX XXXX XXXX cc : XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern XXXX is reporting my late payments in error! 
this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments.

I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me.

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus.

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX

Company response to consumer: Closed with explanation