Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good Day, My name is XXXX XXXX XXXX XXXX am writing this complaint personally with the help of the FCRA XXXX and the FACTS ACT and any other reasource availabe to me wich is my right to do so .The FCRA affords XXXX CRA, S a period of 30 days for their investigation, so 30days from the date of submittal is what they get they do not get and extension to 60 just because they are answering a complaint answered on the cfpb website, had they attempted to fix in on their own platform we would not be here in the first place. According to the fcra they get 30 days so any more will be considered a stall tactic and looked at as what it will be a negligine violation of the fcrs and goverened laws put in place to protect consumers from the predatory nature of the CRA.S. 
My complaint is on Equifax I have reached out to them on numerous occasions only to be told that there is NO department that can help me, they have even stated on a recorded line that they agree with me that this should not be At aproxamatly the month earlier from today my credit score was XXXX with equifax and is currently a XXXX ( verified today ) and if you were to deserve this score wich previously in my life i did but not know how in under a month do you go from a XXXX to XXXX and you have : No late payments on any accounts ( past or present ) No Hospital bills No Bankruptcy No Collections How do you go from a XXXX to a XXXX when your history wioth every single file on your credit report is exceptional and i have reached out to equifax several times explaining that this has cost me financially and that something must be done, and have been told every time that they can not even put me in touch with someone from any department because there is no onew that can help me that i just have to wait the glitch out and it will eventually work its self out!!!!! That was their responce even when i explained to them that this is right at this very second costing me money, and when asked who will reimberse me the money i am losing because someone should have to, they once again stated that they were very sorry but there is nothing they can do for me. 
Every employee i have spoke to over the phone has openly admitted that my scpre is incorrect.So i ask this and if i need the FTC, XXXX OR EVEN @ whitehouse to answer this question i will escallate this claim to that level no problem when i am wrong, i am wrong i take my lumps and keep it moving. But I can not and will not accept punishment financially when undeserving.!!!!! 

*How do you go from XXXX to XXXX with no negitives on youor credit report at all? 
*How does the multi billion dollar company in charge of issuing me my personal credit score unjustly give me a terrible score and then tell me there is nothing they can do to help!? 
* how does this credit bureau not have a way to fix my score * why does a cra advise me to hire a credit advisor to try to correct their wrong Why does the CRA say no to compensating you if you hire someone that you have been adivised by them to hire to fix their mistake? 
*why when the consumer makes a mistake it is the most draatic shamed event i their financial history we lose money, aquire fines, sanctionsw dissconections or repossesions but if a CRA causes these things thatthey are not help financially and morally? 
Why does the cfpb stand by and literally do notthiing to help XXXXI asked the cfpb to honor my request for compensation previously and the cfpb actually let the CRA XXXX if it was going to pay the violation ( like what in the XXXX kind of XXXX is that??? 

So cfpb I am asking you that you force the CRA_equifax to fix my score and I also act that you make them pay for the violation of my fightz, and pay for the amount of monies that i have lost during the month that they have refused to look into my score This is 100 % unjust Equifax there is something or someon that you can contact and could have some time ago.Your stall tactics of not correcting my score have gone on long enough I am complaining here because at least here i have record making you aware on yet another platform so there is no denying me reaching out i have also documented each phone call and the represenitive i spoke with that told me that yes my score is incorrect something must be done immedatly or i have no choice to go public with this so that the others that this must be happening to can get togethere because numbers look way better for us as a group in the press than XXXX man XXXXI will also be speaking with an attorney and this may be in fact a slip up but it is one that no one cares enough to make haste and fix .I sternly attest that this is my life not just a file that you can look at or fix when you get around to it .In the life im living every day when im caring for mt XXXX son and my, high spirited little girl there are conqequensisthat i am handed for your XXXX poor job performace or personal regaurd for the consumers .I was in a wreck yesterday and with your currewnt evaluation of my credit worthiness no one will let me finance a new car, because of you credit score i do not qualify and i have worked =so hard to get what i got and achieve that XXXX for you to do what you all have done is devistatin to my family how do i gert to my kids to school or my son to the doc or myself to work how do i continue to pay your subscription fee? how do i do those things with a XXXX credit score you chose to give me that is not my actual . so i cant work cant go buy groceries can do XXXX appointments can take kids to school cant go to church cant take elderly grand mother to XXXX XXXX do any of these things because of this XXXX and that makes me unable to buy a vechile because of what you have done to me if i cant get aNOTHER CAR BECAUSAE OF WHAT YOU HAVE DONE WITH MY SCORE I WILL LOSE EVERYTHING I HAVE WORKED FOR ENTIRE LIFE.THIS IS THE WORST THING YOU CAN DO TO A FAM ILY FIX IMMEDIATLY OR I AM GOING TO SUE EQUIFAX AND I WILL SUE THE CFPB AS WELL BECAUSE I CHECK YOU ARE LIABALE FOR SUITE IF YOU ARE INFORMED OF A WRONG AND DO NOT REPORT OR DO SOMETHING SO YOUR UMBRELLA OF PROTETCTION IS GONE IF YOU DONT DO SOMETHING TO BRING THIS THE LIGHT ALSO I WILL ATTATCH SCREENSHOTS OF THEIR SUBSCRIPTION BASED APP AND THEIR SHEER CONTRADICTION AND THE SECTION OF WHATS HELPING YOUR CREDIT OR WHATS HURTING IN ONE DENTANCE THEY SAY ONE THING IS HURTING AND THE THE FOLLOWING SENTANCE THEY SAY THAT SAME THING IS HELPING MY CREDIT HOW CAN SOMETHING BE HELPING AND HURTING AT THE SAME TIME WITH AVDISE LIKE THAT HOW CAN YOU MONITOR YOUR CREDIT EVEN THOUGH YOUR PAYING THEM FOR THIS PRODUCT i WILL SHOW PICS OF WHERE IN THE YEAR IVE BEEN PAYING I HAVENT BEEN ABLE TO GEWT MY SCORE WAS TOLD THEY WOULD FIX IT BUT HAVE NEVER DONE ANYTHING BUT MORE THAN ANYTHING INEED NO I DEMAND THEY FIX MY CREDIT SCORE

Company response to consumer: Closed with explanation