Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I subscribe to an Equifax credit monitoring & credit review service. I reviewed a copy of my credit profile as I received an alert that my credit score had dropped. It appears, that there is an inquiry which is listed as a " hard inquiry '' which should have been a soft inquiry. I contacted both the company and Equifax to investigate & resolve this issue. I was advised that the inquiry was listed as a hard and soft inquiry then it was changed into a soft, but still listed as a " hard '' inquiry. This does not make sense. 
I spoke to a supervisor at Equifax disputes & was advised to contact a credit monitoring as it appeared to be a soft inquiry on the dispute side. Overall, it 's evident that it is listed as a " hard inquiry '' as evidence by my conversation & attached documented proof which shows impact. On XXXX/XXXX/XXXX, I spoke to a supervisor who stated that the issue would be addressed, escalated and corrected. I was advised to wait 24-48 hours and may take 7-10 days for correction as the technical team would correct it and I was provided a reference # XXXX. I then called in 10 days and was told to wait another 10 days because of the system and the technical team was handling. I called 10 days later and was told the same. I figured due the holidays, etc that I would allow time. To no avail, the issue still is " being handled and corrected ''. I am aware that the credit bureau has the responsibility for correcting errors within 30 days of an investigation, etc. Apparently, Equifax is in violation. 
I called today XXXX/XXXX/XXXX, spoke to the dispute department and was told to call monitoring again. I spoke to XXXX ( who was made abreast of the info and also identified the issue ) and then was transferred to a manager named XXXX. XXXX apologized that it is taking nearly 3 months to correct. However, that I need to contact disputes and possibly call monitoring ( tomorrow ) to have them correct the issue between themselves. At this juncture it appears that I am getting the run around. I am highly impacted by this mishap ; shocked, confused, and upset. This process has been mind reckoning. 
I even called today ( XXXX/XXXX/XXXX ), bounced around through various representatives despite what I was advised yesterday. Upon being forwarded to a supervisor named XXXX, he then contacted consumer affairs. They were able to advise me that what they saw was different from what XXXX saw. The representative named XXXX XXXX who was very helpful, stated that " if there is an error, you must take care of a customer '', he has been working on this this issue & if it is impacting him it needs to be corrected. XXXX agreed and stated that he would further forward and allow 24-48 hours as he would send to the technical team. Hence, this is what I was told 3 months ago. 
After speaking to several reps and supervisors, it is evident that communication with Equifax, Equifax knows, or has sufficient reason to know that when it prepares and sells consumer reports about a consumer, the information it is circulating is extremely inaccurate and damaging. Never the less, Equifax has taken no measure to stop paining a false and damaging picture. I have suffered out of pocket loss as a result of Equifax 's willful and or negligent violation of the FCRA including, without limitation, the premiums I spend for a credit monitoring service. Moreover, I am not currently free to take advantage of various credit opportunities available to other consumers because Equifax failure to report only accurate information about me. 
As a direct and proximate result of Equifax willful and or negligent refusal to follow reasonable procedures to assure " maximum possible accuracy '' as specifically mandated by the FCRA I have suffered loss and damage including, but not limited to economic loss & opportunities. This is one of many issues. Help

Company response to consumer: Closed with explanation