Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: OK
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: Problem with personal statement of dispute

Complaint:
I have tried to deal with the companies with the bad information, I've tried to deal with XXXX and Equifax, over the same issues. I want an email address. I want to see my words and there words and a place to respond to in words so no one can get my words wrong. Every time I call they ask me for an account number that is showing on my credit report that is over 5 years old. I have one CC Card account that has be open for 28 years. all of the others have been closed for 5 or more. They should be off my credit report. As well whoever is making up this whole credit score this is absolutely wrong. 

Sent to XXXX XXXX : XXXX no! You didn't solve my issue or anyone else! Why don't as a business be an advocate for those that have EXELLENT credit! Reach out to the credit bureaus and who manages the scores to say, " Hey this person has a valid point. They have disposable, based on their income they can afford anything they want. They have all of their bills paid off monthly, and can put money in savings. Why do you want them to pay more to get a better credit score by having them carry a 2-25 % APR on 30 % of their credit account? Why do you take the opportunity by punishing them, even charging them interest when you know they are going to pay their bills every month? Give them the credit score that they deserve and remanufacture how you calculate credit scores? '' Why shouldn't you give me 1 % of remodeling the business of these earnings for this advice. You are not concerned about what the company provides to the average person and the credit bureaus The average American could get a better credit score by using your system. Your problem is your on a click per ad. Try doing a service that everyone needs that you can charge them for and still have the click per ads. Personally, you haven't shown anything that you can do for me. You hinder the process of the person trying to get help. 

It should be on a 100-400 scale, Horrible, Poor, Average, and Excellent. That leaves room for the individual to get an accurate reading on what their score should be and tell the consumer by one of the 4 scores what they need to do to obtain a better credit score. Hiding behind all these canned answers helps no one but the businesses that are providing credit to consumers that have to pay to a multi-million dollar corporation. Do they need the money, No! Will the consumer spend more money because they have more money, Yes! Will that invigorate the economy, Absolutely!

And Hear I am putting another email in to an address that I don't know and I will get a canned response to something that I can't answer because it get set to a do not reply or unmonitored account.

Give me your email address so I can show you how I have been treated and how this system is so wrong. 

Right now, I should have a credit score of XXXX. I own my house. I own my truck. I pay utilities and what I need for the house. I pay off my CC MONTHLY. So in you financially educated mind how is it that I come up with a credit report where I pay off a CC that I have been paying of monthly for the past 8 years and have no bills, but my credit score that should already be at XXXX and is at XXXX drops to XXXX.

Company response to consumer: Closed with explanation