Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My letter to XXXX XXXX XXXX XXXX. 


To Whom It May Concern, Im writing to inform you that your partner XXXX XXXX is an absolute joke and a crooked entity as a whole! Yes Im aware that most credit card companies fall into this category but at least others are working with me. Im completely shocked that an amazing company like XXXX continues to partner with XXXX XXXX. The short version of my story is this. The government tells me I have to stay home because of a pandemic labeled COVID-19. I'm not unreasonable so I get it but I'm forced to stay home and now I can't work. My place of employment was also forced to close its doors until further notice. Being a responsible citizen I attempted to contact all of my creditors. I sat on hold for countless hours over a period of weeks trying to reach all of my creditors and most of them were for the most part sympathetic with the exception of a few. One of them was XXXX XXXX. ZERO UNDERSTANDING! ZERO HELP! ZERO COMPASSION! ZERO COMMON SENSE REASONING! In short they said  " I'M SORRY SIR. WE'RE NOT OFFERING ANY ASSISTANCE AT THE MOMENT! ALL MONTHLY PAYMENTS ARE STILL DUE EVERY MONTH! '' I reiterated that I'm being forced to stay home and I have no income. They didn't care. Shortly after I received a letter stating that they're going to close my account and report me to the credit bureaus if I don't make a payment soon. I said, I'm sorry because feeding my family comes first so I will not be able to make a payment at the moment so do whatever you need to do. I just checked my credit report and they in fact did report me to all the major credit bureaus for being late. Its so sad that we have such failed system of checks and balances all controlled by greed. The system is designed to fail the average US citizen ( s ).  Even the RESPONSIBLE US citizen ( s ) ... 

In addition, months prior I took out a loan to pay off a {$17000.00} balance on my XXXX XXXX XXXX MC. My plan was too pay off the credit card and do a balance transfer from my other cards over to my XXXX XXXX card in order to get a leg up on my finances. Mind you I had no prior issues and a perfect payment history. I discovered that a few weeks after I paid off the {$17000.00}, XXXX XXXX dropped my credit limit from {$17000.00} to {$2000.00} screwing me and my family over. I could have used that money instead to pay off my other cards if I knew they were going to do this. My family had a long overdue vacation that was planned that we had to cancel. I was going to book a vacation through XXXX vacations and use the XXXX   MasterCard to get my dividend points. Im beyond angry. XXXX XXXX messed with my life, my families life and our livelihood. I know theres countless others that are experiencing the same thing. I hope sooner than later XXXX   will wake up and do the right thing and break the partnership with XXXX XXXX. Honestly I dont believe Ill continue shopping at XXXX as long as theyre partnered with XXXX XXXX. Im moral individual and Im big on principal. With that being said my new purpose is to dedicate myself and exhaust all of my resources to expose companies like XXXX XXXX  and the XXXX XXXX XXXX Mastercard to EVERYONE!!!!! Through social media, XXXX, the local news stations, the XXXX, etc! 


Only a fool would underestimate a man with nothing to lose. 
XXXX XXXX, The Price of Nobility

Company response to consumer: Closed with explanation