Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the whole month of XX/XX/XXXX I have been monitoring my credit reports extremely closely as I have been in process of trying to purchase a new home. On more than a dozen occasions I have personally reached out to equifax to correct errors on what they are reporting on my credit report. Equifax NEVER fixed any errors, NEVER followed protocol to freeze accounts in question until the investigation was completed, NEVER looked into specific accounts that were deemed fraudulent, NEVER reported updated card balances as requested correctly, and plainly has left my credit standing in such a deficit. At the start of the month my credit score with equifax was at a 650 give or take, at this very moment in time my score with them is at a XXXX. It boggles me how Equifax has been ignoring my every request and reports nearly every error I have mentioned to them to fix in even more error. For example, on XX/XX/XXXX I called XXXX credit card to do a balance update and report it to the credit bureaus. My balance is at {$0.00} as of XX/XX/XXXX, Equifax initially reported my balance with XXXX at {$0.00} on XX/XX/XXXX. As of XX/XX/XXXX Equifax is suddenly reporting my balance with XXXX at {$6300.00}. This is not the only account being reported in error and it is certainly not the very first time this incident has happened. I have repeatedly called Equifax and addressed each issue and error they made, I have submitted documents to support my disputes, and I actively monitor my credit report activity, yet Equifax has never once correctly fixed any errors on my credit report nor have they been able to tell me why and where these errors are coming from. When I have asked them to consult with the way the other two major credit bureaus were reporting my specific accounts they didn't listen. When I faxed in documents to the fraud department to support my disputes I was convinced once their investigators saw all the documentation I had they would finally update inaccurate information and validate which accounts were named fraud. Instead, Equifax entirely ignores all documents I provided to them i.e police reports, proof of ownership documents, documents submitted to the ftc, etc. Why on earth am I wasting time on trying to provide supporting documents to try and resolve my credit report issues if Equifax hadn't planned on looking at them or utilize them in any of their investigations? With my credit score being the impossibly lower than where it should be my original pre-approved home loan couldn't get approved. I am at a loss of over {$8000.00} and still counting because Equifax, one of the major credit bureaus, is incorrectly reporting my credit and refuses to fix or comply to proper protocol when accounts are deemed fraudulent or under investigation. I have been fed lies and given a false sense of hope on nearly every phone conversation with Equifax, calls which I personally recorded to document the deceit this company provides and how I received no resolution each and every time. 
I have attached one audio file split into two parts to give a feel of what I dealt with if not worse EVERYTIME I called into Equifax. 
Additionally I have attached portions of my credit report with accounts such as : XXXX credit card, XXXX credit card, XXXX XXXX credit card, and XXXX XXXX XXXX which all were supposed to be frozen and have a status of " non reporting '' due to investigation of these accounts because I reported them as fraudulent. You will be able to see that there are dates that reference XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. And as a Birthday gift to me, Equifax, on my birthday placed my score at XXXX on XX/XX/XXXX, when just 4 days ago on XX/XX/XXXX my score was at a XXXX. Please notice, accounts like XXXX is an actual car loan that I really have, has also been removed for no reason at all. Based on 4 days of activity you will notice how irresponsible and extremely negligent they have been. However is just a tip off the iceberg in comparison to the actual 6 months of this having gone on.

Company response to consumer: Closed with explanation