Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We have NEVER entered into any legal agreement with XXXX XXXX XXXX ( see attachments ). 
We entered into a Reservation Services License Agreement ( see attachment ) with XXXX XXXX on XX/XX/2019 in the amount of {$4900.00} for the purchase of a vacation club membership while in XXXX on our honeymoon. After waiting the mandatory 3-5 business days, we were excited to go online and access out newly acquired vacation options. Unfortunately, we immediately found that what we thought we purchased and what was being represented on the online portal were vastly different, in a negative way. In direct contrast to the Acknowledgement of Representation document signed ( see attachment ), the following things were found to be untrue : ( 6 ) Do you understand that, in addition to wholesale prices and discounts, a major benefit of your membership is access to the private members only website where you can book most travel components online and are guaranteed lowest available prices on hotels at the time of booking? 
( 8 ) Do you accept that the primary benefit of membership is XXXX vast availability of weekly condominium rentals at wholesale prices where you can generally expect to save over {$1000.00} for each XXXX vacation, with many offers available as low as {$190.00} for XXXX XXXX XXXX ( 60 days out )? 
( 9 ) Do you also understand that additional travel benefits include wholesale offers, derived from XXXX  relationship with XXXX XXXX, on package trips, tours, all-inclusive, cruises, hotels, etc., published regularly on the XXXX  website and through emails to XXXX  members? 
( 10 ) Do you acknowledge that XXXX guarantees that no one will ever beat their prices on condos and cruises, and backs that with our Price Match Guarantee? 
To our dismay, all of the above claims were completely FALSE we attempted to book several upcoming vacations and each time, we got better rates on public websites ( XXXX, XXXX, XXXX, etc. ). As this information was of serious concern, we immediately tried to reach XXXX XXXX Customer Care department ( see attached contact info ). We reached out numerous times, to no avail. 
We then began our research of XXXX XXXX online. Our worst fear became our reality, WE GOT SCAMMED ( A scam is often accompanied by terms so restrictive that you dont have any recourse when you want to return the defective product )!!! There are multiple complaints online about this company. We continued to reach out to the Customer Care line, still no response. 
The only thing of value that we found in our research was a 1-year membership to XXXX XXXX XXXX. This too is in direct contradiction to what was promised in the agreement, lifetime membership ( Acknowledgement of Representation # XXXX XXXX. However, please find attached a letter from XXXX XXXX XXXX, the VP & Senior Counsel of XXXX XXXX XXXX XXXX XXXX XXXX, confirming our XXXX XXXX XXXX program membership through XXXX. 
As a result of these discoveries, we reached out to our attorney and began the process of trying to recoup our investment for breech of contract and fraud by deception. 
NOTE : On XX/XX/2019, we received an email from XXXX XXXX XXXX, XXXX, that XXXX XXXX XXXX had assigned our account to XXXX XXXX XXXX, XXXX for servicing. We have never entered into any legal agreement with XXXX XXXX XXXX ( attachments ). 
We then tried to get in contact with XXXX XXXX XXXX to get resolution to this matter. Again, we were unsuccessful in reaching anyone to discuss. We then went to the XXXX  site and found that XXXX XXXX XXXX is NOT accredited with XXXX. They have been in business 11 years and to date, they only hXXXX XXXX XXXX XXXX XXXX XXXXmployee. ( SUSPICIOUS )!!! 
We have spoken to XXXX XXXX and shared our discovery of this scam. They were not interested in the information regarding the bogus state of this company. 
XXXX XXXX is now holding our credit score XXXX by being in partnership with this scamming type of activity. Our scores have literally dropped almost 70-80 points. This has caused extreme emotional distress. 
We have requested our attorney send notification to the various credit agencies notifying them of the scam. We are asking for immediate action in the full removal of the collections activity from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from our credit reports.

Company response to consumer: Closed with explanation