Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been trying my best to resolve this issue with Equifax, Equifax do not want to take any responsibility for what happen to me and it is 100 % Equifax fault. I spoke to the supervisor and the Supervisor manager and told them over and over again this happen because someone from Equifax changed my XXXX comments and payment history. I was told by the Supervisor we can not change the information back without a dispute even if I showed them the hard copy before they made the change to my account. I told the Supervisor if Equifax stuck to their policy and never changed my account information this would have never happen. Equifax is telling me they can not change or remove an account, but they change my account comments and payment history three times. But the way they changed it my whole report is being reported in negative way. It went from XXXX to XXXX, I have excellent payment history now I have good payment history. Making it impossible for me to get a new loan at this time. How could Equifax change my account and say they can not change my account. Supervisor told me even when with hard evidence they can not changed it back with out a dispute but they changed it already. This makes no sense if Equifax followed their policy I would not be complaining they changed my account. I ask the Supervisor to remove the account because they should have never changed it in the first place. Now I am suffering from this error. They should stick to their policy and I would have never been it this problem. I would be complaining to the company that did it. I this case it is Equifax who did this and they do not want to take responsibility for breaking their own policy leaving me to suffer. I attached all three ways this account that has been changed over the last 10 days. These changes did not come from XXXX the only creditor that can legally changed any thing on this account. The changes came after Equifax cancel a dispute and did not know how to put the account back the way it was. From what the Supervisor says that once the credit report is update that is all they see. I guess when they cancel the dispute the lost the comments and the payment history got lost too. But they played a big part in my report because those changes mess up my credit report and score. I ask the supervisor if your Equifax policy is not to change the account but Equifax did they should at least remove the account for breaking their own rules instead of leaving me to suffer from Equifax error. But I am the one who is suffering. That is why Equifax should stick to their policy this would have never happen. I keep telling Equifax I can not wait 30-60 days for a dispute that never should have happen. I will go out of business. If they can not put it back the way it was, delete it. They are the ones who changed it, so they are the ones who should fix this problem. This is not XXXX fault or mine. I attached my summary of my payment history before this incident happen and after. I had an excellent payment history now it went to good. When I miss no payments for 4 years and they took that away from me by reporting a old collection account like it just happens a few days ago. I also attached the account where the comments and the payment history was changed. This is so wrong and Equifax should try and make it right. Stick to your policy, do n't let me suffer because someone from Equifax did not.

Company response to consumer: Closed with explanation