Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax Inc. has irrevocably ruined my credit by systematically removing trade-lines periodically on my credit report. They have removed trade-lines that have been on my report for years, crippling my credit score. For the second time this year as I attempted to purchase my first home they have suspiciously dismantled the portal that would allow anyone including myself who pays for the monitoring to pull a credit report. The first time was in XX/XX/XXXX, they removed two trades a XXXX XXXX XXXX Credit Card that had been reporting on my credit since XXXX and a XXXX XXXX Credit Card that had been reporting since XXXX XXXX. In both cases I was not notified through the credit monitoring service I subscribe directly with Equifax Inc. But in both cases, they blamed myself for checking my report to many times with an unlimited credit monitoring package and they also lied and said I never contacted them about the problem. They also blamed the creditors for removing the accounts, in all cases they were lying. They also suspiciously dismantled the portal that would allow anyone including myself who pays for the monitoring to pull a credit report as I was attempting to purchase my first home. I called several times and each time I was told it will take 7 to 10 days, it took over a month to gain access to my credit report. By that time the removal of the trade-lines had ruined any chance of me purchasing a home. I had no recourse, like many I am sure who has falling prey to this organizations discrimination. I monitored almost daily and pulled my reports with the credit monitoring that I continue to pay each month to Equifax Inc. I notated the fluctuation of trade-lines that would be removed one day and placed back on the next week. I also notated the XXXX XXXX  Credit Card that was removed in XXXX XXXX was placed back on my credit file XXXX XXXX, XXXX and then removed again XXXX XXXX, XXXX. I would not have known this if I wasnt updating my report through the credit monitoring I pay monthly to Equifax Inc. That is the only way I would have known of the shuffling trade-lines because the monitoring system NEVER sent me any notification the trade was added or removed. Yet my credit score stays stagnant because the system never sees payments being made or utilization improving. It only sees a trade-line being removed and new trade-line being added, which in fact hurts my score. That is why my score with Equifax is ( XXXX ) lower that the other bureaus. Today I am in the same position, as a Loan Officer attempted a tri-merge report on XXXX XXXX, XXXX, with no score being available through Equifax Information Services, the same exact situation that occurred in XXXX XXXX. Once again Equifax Inc. claims they have no idea why my report is not working, or why I or they can not unlock my file and have no knowledge of the trade-line shuffling or the discrimination that has taken place and continues to this day with my credit file. I have lost over 7 months of good payment history and credit building, as evident in the difference in my credit scores with the other credit bureaus. Equifax Inc. have systematically violated my rights to purchase a home and it can only be for that fact I am obviously XXXX based on my name and I reside in Texas. The fair housing act states in part a violation of that law is to Make housing unavailable. That is exactly what Equifax Inc. has done to me over the better part of a year. As a veteran, this should also be of note and reported to The Veterans Administration, Department of Justice and certainly the U.S.
Department of Housing and Urban Development at its highest levels.
There are too many files to upload through CFPB system, but they are available as proof of my statements regarding my credit reports.

Company response to consumer: Closed with explanation