Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: NC
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:
I am naming Equifax and XXXX in the following complaint. They have discriminatorily removed two tradelines form my credit report previously reported by the following creditors : XXXX XXXX XXXXXXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX XXXXXXXX Account typeRevolving Charge Account Usage : XXXX % Balance on XX/XX/XXXX, XXXXCredit Limit {$0.00} {$5000.00} Payment Info StatusCurrent Status dateXXXX XXXXXXXX Past due amount- Highest balance $ XXXX Monthly payment {$0.00} Late payments 0 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX These bureaus are in violation of fair credit reporting. They do not get to pick and choose which consumers are allowed to have these tradelines remain on their reports. They also do not get to remove an already valid reported tradeline from a report that is reported accurately. I wanted the attached tradelines added back to my bureau immediately. The removal costed me over XXXX points to my fico. I will file a class action lawsuit. I am not the only person who has been discriminated based on me. 

I additionally name XXXX and XXXX for the very same discriminatory action whereby they have removed the following creditor from the credit bureau : XXXX XXXX XXXX Overview Account Number XXXX XXXXXXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$59.00} Credit XXXX {$5000.00} High Credit {$59.00} Available Credit {$4900.00} Account Dates Date Opened XX/XX/XXXX Date Reported XXXX XXXX, XXXX Date of Last Activity XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Again, they do not get to remove an already valid reported tradeline from a report that is reported accurately. I wanted the attached tradelines added back to my bureau immediately. The removal costed me over 60 points to my fico. I will file a class action lawsuit. I am not the only person who has been discriminated based on me. 

I HAVE PAID MY CREDIT LINES AND INSTALLMENTS AS AGREED WITH CREDITORS FOR OVER THREE YEARS NOW. I HAVE RESTABLISHED MY CREDIT BUT EVERYTIME MY SCORE REACHES JUST BELOW 700, THE BUREAU DROPS A TRADELINE ON ME WHICH LOWERS MY SCORE AS SUCH WILL BE NAMED IN THE FOLLOWING COMPLAINT. 

I HEREBY NAME EQUIFAX AS DISCRIMINATORILY REMOVING WHAT WAS THEN MY HIGHEST TRADELINE FROM MY CREDIT REPORT REPORTED BY XXXX XXXX. THEY HAVE OFFERED NO EXPLANATION AS TO WHY THEY HAVE REJECTED OR BLOCKED THE NUMEROUS UPDATES SENT BY XXXX XXXXXXXX TO ADD MY HIGHEST REPORTING TRADELINE TO THEIR CREDIT REPORT. THE ACCOUNT IN QUESTION IS AS FOLLOWS : Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : XXXX % Balance on XXXX XXXX XXXXXXXX Credit Limit {$1600.00} {$2300.00} XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 69  % Payment Info Status Current, was past due 120 days Status date XX/XX/XXXX Past due amount - Highest balance {$1700.00} Monthly payment {$43.00} Late payments Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I HEREBY NAME XXXX IN HAVING OPENED A DISPUTE ON MY CREDIT REPORT FOR THE ABOVE MENTIONED TRADELINE WITHOUT MY PERMISSION. I AM NOT DISPUTE OF THIS ACCOUNT. I HAVE NEVER OPENED A DISPUTE. THEY NEED TO REMOVE ANY AND ALL DISPUTES FROM MY CREDIT REPORT. THE ONLY DISPUTE I EVER OPENED WAS TO GET RID OF UP TO TEN YEARS OLD AGED ADDRESSED MORE THAN THE LAST TWO OR WRONG ADDRESSES. 


REMEDY : XXXX  NEEDS TO ADD XXXX XXXX BACK TO MY REPORT EQUIFAX NEEDS TO ADD XXXX XXXX XXXX TO MY REPORT EQUIFAX NEEDS TO ADD MY XXXX XXXX XXXX BACK TO MY REPORT XXXX NEEDS TO ADD XXXX XXXX BACK TO MY REPORT XXXX NEEDS TO ADD XXXX XXXX XXXX BACK TO MY REPORT XXXX XXXXXXXX TRADELINE NEEDS TO BE ADDED BACK TO EQUIFAX I ALSO IDENTIFY THAT ALL THREE CREDIT BUREAUS HAVE REPORTED XXXX XXXX XXXX TO MY CREDIT AS AN AUTHORIZED USER. HOWEVER XXXX HAS NOT FURNISHED ANY DATA ON THIS ACCOUNT. THEY HAVE ALSO REPORTED THIS ACCOUNT IN DISPUTE BECAUSE THE ACCOUNT HOLDER DISPUTED ONE CHARGE. THE ENTIRE ACCOUNT SHOULD NOT BE REPORTING IN DISPUTE BECAUSE OF ONE CHARGE. THIS STATUS NEEDS TO BE REMOVED. XXXX XXXX XXXXXXXX WAS CONTACTED BY THE PRIMARY ACOUNT HOLDER AND WAS TOLD THIS ACCOUNT WAS NOT SENT AS A DISPUTE. I WANT THE DISPUTE STATUS REMOVED TODAY.

Company response to consumer: Closed with explanation