Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX, I logged in online to my XXXX XXXX XXXX  credit card. Immediately, I noticed charges that were not mine from XXXX XXXX. I have had this credit card for a year and half and never used it for any XXXX charges. This card has never been tied to my XXXX account. I called customer servicer to dispute all the of the charges ( 4 charges on XX/XX/XXXX, 3 charges on XX/XX/XXXX ). I was also told that there were 2 pending charges from XX/XX/XXXX but that they could cancel them since they had not posted - these 2 charges have also now posted to my account - all charges in question add up to {$350.00}. The customer service rep advised me that she would cancel my card and issue a new one, as well as dispute the charges. She advised that this would be assigned to a Fraud/Dispute rep and that they would be sending me an affidavit to fill out in the mail. I also, at that time, made a payment for the amount due on my account for {$6.00}. She advised me that while they took care of fixing these charges, I would be unable to login to my account, but then in a few days, i could log back in and they should no longer show up. After that, I called XXXX and advised them of the situation. XXXX was unable to tell me the name of the person 's account in which was using that card, but did block my card number from ever being able to be used again within their system. 

On XX/XX/XXXX, I received a notification from XXXX XXXX that something on my report had changed. I logged in and saw that XXXX XXXX XXXX  had reported to the credit bureau the charges in question showing that my balance was {$370.00} out an available amount of {$400.00}. This also shows to have dropped my credit score by 13 points. I have worked very hard at building my credit, keeping my balances low and it is so frustrating when incorrect information is reported. I work in the banking/mortgage industry and know that according to the FCRA, items in dispute should not be reported to the credit bureau 's. Company 's usually will put a credit reporting hold on the account until said dispute is resolved. That was not done in this case. Also, XXXX XXXX is supposed to go back to the credit bureau 's and advise them of the incorrect information reported so they can correct the wrong information, credit score, misinformation, etc as well. 

On XX/XX/XXXX, I logged into my account online again, only to notice that the charges in question, were credited back to my account, and then placed back on my account on XX/XX/18. I called my credit card company to find out what was going on and the rep that I spoke with immediately asked if I had returned the affidavit. I asked them when and where it was being sent from, she said it was sent out on XX/XX/XXXX from South Dakota. I told her I live in Texas, I haven't received anything from you in regards to this yet. She advised me that I would have to contact the rep assigned to the dispute and go over everything with them, and when I asked if I could have their name and number, she advised she can not give me that information over the phone. She advised that she could put in a request to have the assigned rep call me, so I asked that she do that - she said it would take them 3-5 business days to call me as that is their turn-around time. I advised her that the disputed items were reported to my credit ( and the dispute was still open ) which is in direct violation of the Fair Credit Reporting Act and she acted like she didn't know what that was. After telling her this, she then tried to tell me that once i receive my newly reissued card, I am eligible for a {$200.00} credit limit increase, at a cost to me of {$50.00}. She also told me that I qualify for a second card. I advised her that I don't even really want the one I have with you now because you can not handle a dispute correctly. 

If my letter is not in my mailbox today when I get home, I plan to call them every day until this is sorted out.

Company response to consumer: Closed with non-monetary relief