Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This does not involve money, amounts, collections, or anything financial. 

On or about XXXX XX/XX/2021, I pulled my credit report from all 3 agencies. I do this at least once a month towards the end of the month, and, I get emails from certain parties informing me of my credit scores. I noticed, at first that my credit score had plunged 30 to 40 points with 2 of the agencies ( XXXX  and Equifax ). A day or so later, the same thing occurred with the 3rd agency ( XXXX  ). I " fine tooth combed '' my report and there was nothing adverse perpetrated on my part, or derogatory from businesses or other agencies toward me to justify these decreases. I immediately reached out to all agencies, first by phone in which they told me there was nothing they could do, and then by letter. This was done on XX/XX/2021 ; I waited to see whether anything would be done as a result of the phone calls regardless of them telling me there was nothing they could do. After mailing the letters out, two of the Agencies corrected the error, XXXX  and XXXX, and my scores were restored, and even increased over what they were previously. As a precautionary measure, I again sent out a second letter to all agencies ( XX/XX/2021 ), and also made a phone call to Equifax in which my credit score still remained at XXXX, 36 points below what it was on XX/XX/2021. I was again told by Equifax that there was nothing they could do, and, that they did not receive my faxed letters ( by fax and mail ). I faxed the letter again to Equifax and gave it time ( over a week ) before checking again. On XXXX XX/XX/2021 I again checked with Equifax and spoke with a Lady called XXXX, and she checked to see whether the letter ( s ) sent on XX/XX/XXXX and XX/XX/XXXX were received ( XX/XX/XXXX the second fax ) and she had no record of receipt. I again faxed them, as per her request and myself iterating that I would, to Equifax. 3 hours later I faxed them again as a precautionary measure. It has been 3 weeks now and Equifax has not changed my score, and it seems they are unconcerned about ensuring that an investigation of the receipt of my faxed letters are initiated. My computer fax clearly states " successfully sent, '' after I fax them, so the problem is not with me. I have not checked today to see if they received them XX/XX/2021, and, I again sent the letters today. They are tinkering and playing with my life. It is not my fault, or anyone else 's fault that my credit score decreased 30 to 40 points for no reason whatsoever. This is either an error on Equifax 's part, or, they may have been hacked, or someone is playing a very " not funny '' game. I don't know, but no one at equifax seems to be trying to solve this problem for me. If it were something I had done, I would not be reaching out to you. I need your help please. I am a XXXX Vet and this is very stressful and frustrating to say the least as I am very soon going to try and buy a house. My credit, in the distant past was fair, and at times even poor ; but in the last few years I have taken measures to mend my credit and now it is in the good range ( and I am very proud of that ), and now this happens towards the end of XXXX. And also I can not get any help or cooperation from Equifax. I would appreciate your help and assistance in this matter. Please help. Thank you.

Company response to consumer: Closed with explanation