Consumer complaint received 2018-11-17
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 need help removing ONE inaccurate account that Equifax continually makes a mess of my credit even more each time I dispute! I constantly check for emails and updates on my disputes on this site and Equifax is NOT responding to me here and now they have completely blocked me out of accessing my Equifax report to check on the status of my credit account disputes and they will not let me access my report to see the results or my report and they claim I answer the information incorrectly but I do not, I answered it over 15 times and they gave opened it and now they have completely blocked me out! I hav come to this forum to dispute the same XXXX/XXXX account and they are not responding to me HERE either! 

I just checked my credit report and I want to report to the CFPB that they have made a MESSSS of my dispute and they have insanely causes XXXX XXXX to CLOSE my good and active accounts and they have removed the WRONG accounts and still have not touched the ONE account which I am disputing ... ... .... 

Please note that because of their terrible investigative duties XXXX has disputed ALL off my cards and closed two of them and deleted two of them which were pERFECTLY fine! OMG I HAVE LOST OVER {$20000.00} in available credit on my perfectly goof cards! I have been disputing ONE single account t that is a XXXX/XXXX and ONLY Equifax is reporting this account incorrectly and illegally and even though the placed a remark, initially, on the account that this item in in the process of a reinvestigation and is being disputed by me, now I see that they deleted accounts I never disputed and left the inaccurate account on my report and removed the " in dispute '' results and changed the remarks to " closed by consumer ''! There are two accounts I hold on the XXXX/XXXX card and one was a store card ( SAME NUMBER AND EVERYTHING ) and one was a MASTERCARD!  Equifax is not correcting the false information that is presented on this one credit card which is showing a 30 day late, which is inaccurate! I have asked 50 times at this point for this incorrect account to be REMOVED from my credit report and they are playing mind games with me and deleting OTHER ACCOUNTS!!!!!!!! 


THIS IS SO SO SO SO SOOOOO BAD! WHAT ARE THEY DOING!? 



this is causing XXXX tp cancel my credit cards and Equifax is deleting the WRONG ACCCCCOUNTS!!!!!!!!! 


my GOOD cards which are still active and open are bing DELETED! 
THE account I want removed from my credit report is ONLY XXXX/XXXX falsely showing a 30 day late in XXXX of XXXX ... I have that card in a MasterCard and store card version and they are the same account number but one is showing the late and the other is not! this ONE late was not my fault and it was removed from my credit report but only Equifax has NOT updated the XXXX/XXXX to how that it is removed and corrected. after the fraudulent transaction XXXX remove the late and I had them CLOSE THE CARD! 

The card is CLOSED and has been CLOSED since XXXX! it was closed sometime between XX/XX/XXXX and XX/XX/XXXX -- -SO I want an explanation as to why one earth its is still reporting as OK until now, XXXX!??????? 

CAN'T THEY SEE HOW INACCURATE THIS IS! AND WHY DID THEY NOT DELETE IT ALEADY!? HOW ARE THEY VERIFYING THIS AND REMOVING THE DISPUTE MARKS AND LEAVING IT ON MY CREDIT REPORT! 

OMG The damage that Equifax has done and the mess they have made is just purely insane! I have attached the ONE account that needs to be removed ( with the false late in it ) to this DISPUTE, I have put the master card and store card reports on this complaint so that everyone at Equifax and CFPB see my frustration : the accounts are the SAME but one is showing a late and the OTHER IS NOT!? That is NOT possible, since they keep refusing to removed the 30 day late and fix how they alone are reporting this I keep asking them to AT LEAST DELETE it but they still HAVE NOT! 

I have SO much ammunition when we go to court, there is so much incompetence here I am just dumbfounded. this is all unbelievable illegal and sloppy! You have ruined my financial life EQUIFAX!!! 

my XXXX card was deleted ... .why??? 
my XXXX was deleted ... .why??? 
XXXX closed my bankcard ... .why? because Equifax flagged ALL of my XXXX XXXX and now they think all of my cards are fraudulent but it was just one charge on my XXXX card, when I disputed with XXXX   they fixed it but Equifax never updated their reporting! I have attached a side-by-side of the SAME account from Equifax and from XXXX and I want this to be seen, see that they are WRONG-Equifax is WRONG

Company response to consumer: Closed with explanation