Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: MO
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:
Since XXXX this year I have been a victim again of credit fraud and identity theft. During the disputing process of these items I realized that they removed accounts from my credit report that were in good standing. I spoke with over the phone since XXXX when I realized it and they informed me to contact the companies to re report the items. So I did and they stated to me that they can't report and the credit reporting Agency should add them back on themselves showing the records however they have not and have told me they will not. It has dropped my score not to mention every complaint I sent in they were removing good accounts and sending me letters fighting the proof I had of the fraud and leaving them on. I have letters on letter head to remove some bad items and they still have not complied on several of them. Nor put the items back on the report. I was informed that at one time they remove them because I questioned an amount and they just remove them if I do, however there was nothing negative regarding the actual account so removing it was going to hurt me and was something that wasn't needed to be done. This is for XXXX, Equifax and XXXX. The accounts that needed to be added are the XXXX  XXXX XXXX Account XXXX and Equifax XXXX XXXX XXXX - - Account Number XXXX - - Account Type Revolving - - Account Condition Closed - - Date Opened XX/XX/XXXX - - High Balance {$4400.00} - - Monthly Payment {$25.00} - - Account Balance {$0.00} - - Last Reported XX/XX/XXXX - - Amount Past Due {$0.00} - - Limit {$12000.00} - - Remarks - - - Responsibility Authorized User - - Past Due - 30 Days 0 - - Past Due - 60 Days 0 - - Past Due - 90 Days 0 Equifax needs to add XXXX XXXX - Account Holder XXXX XXXX - Account Type Revolving Revolving - Account Condition Closed Closed - Date Opened XX/XX/XXXX XX/XX/XXXX - High Balance {$2500.00} {$2500.00} - Monthly Payment {$1.00} {$0.00} - Account Balance {$0.00} {$0.00} - Last Reported XX/XX/XXXX XX/XX/XXXX - Amount Past Due {$0.00} {$0.00} - Limit {$25000.00} {$25000.00} - Remarks - - - Responsibility Terminated Account Relationship Terminated - Past Due - 30 Days 0 0 - Past Due - 60 Days 0 0 - Past Due - 90 Days 0 0 - Past 24 months XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK Equifax OKCurrent XXXX Needs to be added to XXXX  and Equifax XXXX - Account Number - XXXX - Account Type - Revolving - Account Condition - Closed - Date Opened - XX/XX/XXXX - High Balance - {$1100.00} - Monthly Payment - {$0.00} - Account Balance - {$0.00} - Last Reported - XX/XX/XXXX - Amount Past Due - {$0.00} - Limit - {$11000.00} - Remarks - - - Responsibility - Account Relationship Terminated - Past Due - 30 Days - 0 - Past Due - 60 Days - 0 - Past Due - 90 Days - 0 XXXX  Card Not reporting on XXXX and XXXX XXXX Equifax is reporting XXXX XXXX XXXX  Account Number - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$0.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$1500.00} Remarks - - Fixed Rate Responsibility - - Individual Account Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - 0 XXXX  and XXXX needs to add the report XXXX XXXX XXXX Account Number - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$4400.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$12000.00} Remarks - - Account Closed By Credit Grantor Responsibility - - Authorized User Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - 0 XXXX  and XXXX are not reportingEquifax is XXXX XXXX  Account Number - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$140.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$1500.00} Remarks - - Responsibility - - Authorized User Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - 0 XXXX XXXX needs to add to XXXX  and XXXX XXXX XXXX XXXX  Account Number - - XXXX Account Type - - Installment Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$1500.00} Monthly Payment - - {$0.00} Account Balance - - {$0.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$0.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - 0 Past Due - 60 Days - - 0 Past Due - 90 Days - - 0

Company response to consumer: Closed with explanation