Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: MD
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:
I had posted this same complaint in a previous CFPB complaint, with it still not being answered or alliowed. 

I want to sign in to the Equifax XXXX  ( paid ) account that I had a little before our loan was transferred to XXXX XXXX  XXXX. But this time I want to sign in using the XXXX XXXX for both myself and my wife. If able to sign in using the Equifax XXXX, we'll be able to see what is really being seen and downloaded when a credit checks our credit reports. " MyEquifax.com '' is an ability to look at something very different than what's on the " Equifax.com '' Complete. I have many screenshots that will support this. Every time I've tried to log back into the Equifax XXXX, it tells me that I have another log-in the the sight and that I have to use that one, which is the free account. 

This is what I've recorded in screenshots. i had a paid Equifax XXXX account that sometime before it automatically switched me out of it to a Free Equifax account. When calling in I was told that the Equifax XXXX was changed to be used for XXXX access only and not only me but all consumers were being switched to thee free Equifax XXXX non complete ) access. And for some time, my card was no longer being charged, but that soon changed to it being charged again. But then I called in oncee more asking why am I being charged for an free account. The Equifax person on the phone removed the payment removal. I never got a refund for the period that my card was still being charged for the Free account. As you should already know by now, I document and report every changed that happens on all three of the credit bureaus. And at present and based on what I have been documenting since our loan transferred to XXXX on XX/XX/2019, and when we started noticing almost weekly changes being made to the XXXX XXXX account and has since been trying to get XXXX to finally report the correct data to their listing. One thing that has been consistent is that to this day, the data has never been reporting correctly. For the first time I'm able to see the XXXX account being reported almost accurate on XXXX, but since the they had did the same thing but at the same time before the loan transferred to XXXX, we had to move to start using " XXXX '' which when we called in about this, we were told the same thing Equifax had told us, and that is that we were only allowed to use XXXX as they to had switched people to the XXXX access because it was for free access ... yet were were also being told were could not use the " XXXX, XXXX  '' access anymore. XXXX has been a very different XXXX in that it did not move us to a different access. 

Waht I have observed and documented in all of this that I found out why our credit scores kept changing ( thanks to XXXX XXXX and two other services ) and we also found out why the " payment history '' in thr CLOSED XXXX XXXX account kept changing. I was then told to keep taking shots of the changes which i have many. 

So it appears that only " XXXX '' and " Equifax.com '' are true access points and the alternate log-in or access sites ( Myequifa.com and XXXX XXXX ) have been used to show us an inaccurate data report or reports that have been rigged to mislead us. These facts were being proven when payments were being made to the open accounts yet there were no changes in the score. So we've had about 20 months of monitoring and recording ongoing changes to our credit report that was being not consistent to what would be correct reporting. But I have to give credit where the goal was to keep the credit score below a certain threshold.

Company response to consumer: Closed with explanation