Consumer complaint received 2018-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I filed a complaint about XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX. This complaint was forwarded to Equifax ( Case # XXXX ). On XX/XX/XXXX Equifax finally responded to this complaint and claims that all of the XXXX XXXX XXXX XXXX accounts have a balance of XXXX on my credit file, they also stated that they were sending a copy of my credit report that reflects all of the accounts are reporting a XXXX balance. I have since received this credit report dated XX/XX/XXXX and the one account question that I am disputing is still showing a balance of {$2500.00} which is opposed to what Equifax claimed in their response to my complaint. I will be attaching the page from my credit report that shows the account in question with a balance of {$2500.00}. 

On XX/XX/XXXX I contacted Equifax by telephone at approximately XXXX Pacific Standard Time to inquire about this item/account that still remains on my credit file and spoke to a representative named XXXX. XXXX was rude, not helpful and didn't sound like a native english speaker, so I requested a supervisor or manager at approximately XXXX Pacific Standard Time . XXXX put me on hold, every few minutes I could hear someone pick the phone up and then put me back on hold without updating me or saying anything as if they were hoping I hung up. At approximately XXXX Pacific Standard Time and 54 minutes on hold, a supervisor named XXXX ( employee id XXXX as provided by XXXX ) answered the phone. I attempted to address this issue with XXXX but he was just as rude and unhelpful as XXXX. At approximately XXXX Pacific Standard Time it was established between myself and XXXX that he will file another dispute on this item/account. I suppose he was about to begin the process of filing another dispute, when I asked if he will provide me with a confirmation number, he replied yes and then the line disconnected. I'm not sure if XXXX hung up the line on purpose, but I did not receive a return call from anyone from Equifax and I was unable to call back because Equifax was already closed. My initial was made before they had closed at XXXX Pacific Standard Time . So I never got the confirmation number from XXXX due this unfortunate event and possibly deliberate action on the part of XXXX. 

From my experience in the present, past and recent past Equifax or more accurately employees of Equifax are rude and unhelpful and seemed to be trained to violate the law i.e FCRA ( Fair Credit Reporting Act ). I am looking to have this issue resolved in regards the item/account in question as soon as possible or I will have to pursue further legal action and ultimately litigation against Equifax. 

I am disputing one item/account. According to Equifax 's response in the previous complaint they appear to be confused and think I'm disputing several items/accounts for XXXX XXXX XXXX, which is incorrect. I am disputing one item/account. The page from my credit file with this account listed and balance highlighted is attached to this complaint, so there should be no confusion on the part of Equifax or whomever handles this complaint from Equifax.

Company response to consumer: Closed with explanation