Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax has really messed up. On XX/XX/XXXX I received notifications from their credit monitoring I use. I logged onto my member account that I have with Equifax to look into this. I have 23 credit accounts for various retailers through XXXXXXXX XXXX. Each and every account had an alert that stated this Comments on your account changed from Charge, Amount in H/C column is credit limit to Consumer disputes - reinvestigation in process I immediately called Equifax to find out what was going out. The rep I spoke to said this didnt make sense to her. The notice stated it was a reinvestigation, but she was unable to locate any disputes I have ever initiated for any of my XXXX accounts. She assured me it was most likely just an error and she put me on hold for around 25 minutes and said she removed all of these mistake alerts. I assumed everything was fine then. Well later on in the day, I received notification again stating ALL of my XXXX XXXX accounts were removed from my Equifax credit report! At this point I immediately contacted XXXX XXXX to assure my accounts werent affected. The rep whom I spoke to said all of my accounts had a fraud block put on them initiated from Equifax. She informed me that they received notification from Equifax that I claimed all of my accounts were fraudulent. Luckily they were able to lift the block. I immediately called equifax back to find out why this happened. The rep I spoke to looked into this more for me and stated someone made a mistake On XXXX I had initiated a complaint with the CFPB against Equifax about a few fraudulent inquiries on my credit report. I was extensively specific on which inquiries I was disputing, and the only reason I even initiated the complaint with the CFPB was because a rep from Equifax told me that was my best bet to do in order to get these inquiries removed. I was VERY specific on the inquiries. Well the rep I spoke to said that someone made a mistake and ended up disputing my ENTIRE credit report! She stated there was nothing that could be done until the dispute finished which can take up to 30 days. This is literally ruining everything with my creditors. The rep said I should just call XXXX and say oh it was all a mistake on Equifax, oops. well unfortunately it doesnt work that way. After all of this, I called XXXX again and informed them on this information and just like I had assumed they said they cant really do much until they receive documents from Equifax. This is absolutely disgusting. On top of all of this, one of my XXXX accounts actually got closed!! It was my XXXX credit account. XXXX stated it was not closed by me nor them. It was closed by Equifax and theres nothing they can do to open it back up until they receive documents from equifax stating this was a mistake. I am honestly going to be contacting an attorney regarding this. This mistake someone made costed me to lose over 100 points on my credit score, {$34000.00} worth of utilization and 4 days of hassle and headaches from having to continuously calling the bank and equifax. How can they legally initiate a dispute on my entire credit report for all of my accounts and not be able to fix it?! Even XXXX told me to contact everyone I can to make equifax fix this mistake! It doesnt make sense to even them, a huge bank.. how could this have happened?! They have no signature or even a dispute I initiated for any of this and yet they continue to send false documentation to XXXX. If this doesnt get resolved immediately I will be contacting an attorney. Someone needs to fix this immediately.

Company response to consumer: Closed with non-monetary relief