Consumer complaint received 2021-04-03
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:
I have a difficult time realizing I'm doing this on Easter Weekend. We as a family and most of the world are celebrating that XXXX died for our sins and that tomorrow HE came out of the tomb to help us. We will have Easter egg hunts and family joy together. I have to work today so that I can pay my bills ( and I do ) and that even if my wife was XXXX about a year ago she is fine today and working many hours as a XXXX  helping lots of people. 
This complaint involves XXXX, XXXX, Equifax, myself and XXXX XXXX. 
All the credit bureaus seem to be on a partnership level, a business relationship with fingerhut that allows them to make money together. The problem is that XXXX a company that advertises " help with your credit '' is really just a company that sells very very overpriced merchandise on credit.. XXXX does not appear to be concerned with accurate credit reporting or good customer service AND XXXX  appears to back their client XXXX to help them even if their client fingerhut is wrong. XXXX  appears to have a separate business relationship with XXXX as well. 
I am XXXX XXXX AND MY FORMER XXXX PARTIAL ACCOUNT NUMBER IS XXXX. THE ACCOUNT IS SHOWING TODAY ON ALL THREE CREDIT BUREAUS. 
T he way the account shows is destroying me financially.IT IS WRONG, YET XXXX  keeps saying that their " PARTNER '' XXXX IS RIGHT. 
THERE HAVE BEEN 3 INVESTIGATIONS IN LESS THAN 30 DAYS.XXXX AGAIN FOR THE 3RD TIME TODAY VERIFIED THE FALSE INFORMATION OF THEIR BUSINESS PARTNER..XXXX  IS UNDER INVESTIGATION, THAT IS XXXX IS INVESTIGATING THEIR BUSINESS FRIEND AND PARTNER XXXX RIGHT NOW AND WE DON'T KNOW THE OUTCOME YET. EQUIFAX SEEMS TO BE ON THEIR OWN PATH.THEY WILL NOT ALLOW ACCESS TO THEIR WEBBSITE TO DISPUTE IT. 

MY ACCOUNT IS CLOSED, AT XXXX XXXX PST XX/XX/2021 I TOLD XXXX THAT I WOULDN'T BE INTERSTED IN KEEPING AN ACCOUNT OPEN AND TO CLOSE IT IMMEDIATELY. 

ON XX/XX/2021 MY MONEY WAS IN FINGERHUTS ACCOUNT BRINGING THE BALANCE TO XXXX AS IT HAS BEEN XXXX DOLLARS BALANCE SINCE THAT MOMENT.. 
I ONLY HAVE ABOUT 30 DOLLARS TOTAL DEBT ON ALL OF MY CREDIT CARDS IN TOTAL BUT XXXX AND THE CREDIT BUREAUS SAY I HAVE ABOUT 50 PER CENT CREDIT USAGE BECAUSE XXXX AND XXXX KEEPS VERIFYING EVEN TODAY THAT MY PAYMENT IS LATE AND THAT I HAVE A {$1200.00} BALANCE AND THAT MY ACCOUNT IS OPEN. 

ONCE AGAIN I HAVE XXXX BALANCE.THE ACCOUNT IS CLOSED AND XXXX ALWAYS CREDITS THE PAYMENTS AS LATE EVEN WHEN THEY ARE NOT AND SO FAR, ANY DISPUTE XXXX  AND XXXX  BACK UP THEIR FRIEND XXXX AND PUT OUT THE FALSE INFORMATION THAT XXXX WANTS TO PUT OUT THERE. 
ALL THE PROOF NECESSARY TO BACK EVERYTHING I SAY IS ATTACHED. 
MOST OF THE INFO. COMES FROM XXXX  OWN WEBSITE THAT I AM A MEMBER OF.XXXX  HAS RECEIVED A DISPUTE THROUGH XXXX XXXX, A BUSINESS PARTNER OF XXXX. 

- FOUNDER OF THE CFPB IS IN OFFICE..XXXX WILL BE HERE SOON.SENATOR XXXX XXXX, THE COFOUNDER OF THE CFPB IS RUNNING MANY THINGS IN THIS COUNTRY RIGHT NOW. 
ALL IS WELL EXCEPT FOR A FEW CORRUPT CREDIT BUREAUS WITHOUT ANY RESPECT FOR THE FAIR CREDIT REPORTING ACT WHICH THEY QUOTE EVERYTIME THEY DO NOT WANT TO ACCEPT A DISPUTE ON XXXX SAYING THEY INVESTIGATED IT BEFORE.

Company response to consumer: Closed with explanation