Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX has been inaccurately reporting on my credit bureau for the longest - reporting to only 2 of the 3 CRA 's - not Equifax. I recently caught it last year in XX/XX/2021. I have been in constant contact with XXXX in regard to the inaccurate reporting and to get this rectified. When calling XXXX, I have not been able to reach support via phone. I have been hung up on and blocked from reaching XXXX. As proof and according to TN consumer law, I now record all my calls as proof. I have all recorded phone call interactions with XXXX. They have had ample time to get this corrected and refuse to do so, they are not only NOT reporting the account as in dispute for inaccurate reporting, but they are simply not rectifying the issue and causing harm and damage to me and my consumer credit report. Not only that, but I have five calls recorded where XXXX representatives refused to let me speak with the credit department because my card was past due 12 days, which I scheduled the payment but it had not posted to the account. They said if your account is past due you can not talk to the credit department which is greed and pure discrimination, due to the fact that they will only assist you which consumer credit issues if your account is current. No where in our contract does it state this information, and since when can they refuse to assist me with fixing a issue that has been ongoing over a year. 

Nevertheless, in XXXX I received a call about being past due from XXXX. Therefore XXXX provided my information to a third-party company known as XXXX, they called me with my banking information on file which I recorded- they were trying to see if i would authorize a payment from one of those methods. I never gave permission for XXXX to have my of my information, especially for her to just call out my banking info this was alarming so i told them I already satisfied the payment and not to call me again trying to collect a debt because i have no contract with XXXX. I made sure to tell them remove me from XXXX and leave my account alone with XXXX as they have full permission to talk to me ( This is all recorded ) When I called XXXX, I then discovered that XXXX put me in a cease of contact status through XXXX and XXXX and in order for them to allow XXXX to contact me again, I would need to authorize XXXX and " service providers '' the ability to contact me. This is odd, being that I never provided this authorization in the beginning. Nevertheless, I had been in constant contact with XXXX since XX/XX/2021. XXXX is a supervisor of XXXX at ex XXXX - ID XXXX. He provided me his extension to get this resolved but he has been trying but unfortunately has been unsuccessful and dropped the ball. I have suffered ruined reputation, XXXX, XXXX XXXX XXXX, and extreme stress in relation to this issue. In XXXX, XXXX sent me a letter confirming that they would rectify the reporting issue and correctly report to all three bureaus, but still did not. At this point XXXX has disregaqrded this request in its entiretly, because they are still reporting to only two bureaus and not Equifax which is causing lower scores on Equifax. Therefore I am seeking the following : 1 ) I am seeking monetary and emotional damages for violations of FCRA, accurate reporting as well as 2 ) failure to mark this account as disputed despite several contacts of dispute regarding inaccurate reporting 3 ) discrimination based on ability to pay and 4 ) have my account rectified as it should.

Company response to consumer: Closed with explanation