Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There matter pertains to mobile telephone account that I had with XXXX XXXX ; account number XXXX. 

I had decided to port my mobile number to a different carrier because of bad customer relations issues I was experiencing with XXXX. During one of my issues, and before I ported my number, I had informed someone in the billing department that I had excellent credit, and could get services with any other carrier.

My account had two numbers : a mobile telephone number, and a number that supports an XXXX  solely for data. The XXXX numbered shared data from the mobile plan. There was no contract to this account, for I had paid off for both the XXXX and the XXXX. XXXX data was an extra {$20.00} on my account plus {$5.00} for the line. 

After paying off for both the XXXX and the XXXX, I decided on cost cutting measures to my account, so I asked XXXX to get rid of the XXXX line. This was done about XXXX of XXXX, slightly before the work-from-home movement. I spoke to a female rep who it appears, was working from home at the time. She sent me text confirmation then that the line was removed from my bill, and this was reflected in payments going forward. 

In XXXX of XXXX I decided to port my mobile number to XXXX because again, I didn't like XXXX 's customer service. I paid off the bill for that month, and a month forward since XXXX tends to bill a month in advance. I XXXX of XXXX I got a bill from XXXX, for services on my mobile, for the periods XX/XX/XXXX to XX/XX/XXXX. At this time, my mobile number was no longer with XXXX but with XXXX. The amount of the bill then was {$190.00} I called XXXX, and was told that by the rep ( male ), the he would take ownership of the matter, that it was an error and I should not worry about the issue anymore. We the rep and myself, established that it was impossible to have the same mobile number operating at the same time by two different carriers. 

Fast forward to XX/XX/XXXX, while attempting to refinance my mortgage, I discovered a delinquent account report from XXXX in the amount of {$100.00}. This only delinquency on my account in 15 years. Needless to say, this cost me {$40000.00} I couldn't have owed XXXX any of the monies in question. My mobile number was with XXXX  for the billable period in question. The XXXX  number was no longer part of the account. 

A rep later informed me that the bill was generated from the XXXX. If that was even so, it does make sense that I would owe {$190.00} or XXXX. I was no longer paying the {$20.00} for data service for the iPad. That's reflected in bills. Have XXXX produce that. The bill for the line was {$5.00}. So for argument sake, if I was being billed for the XXXX line, the most I could have owed was {$10.00} plus tax ; XXXX dollars for XXXX, and XXXX dollars for XXXX. 

I believe that this was a vindictive undertaking from someone in the billing department because I had to audacity to let them know I had excellent credit while porting my number.

Company response to consumer: Closed with explanation