Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I PREVIOUS HAD 9 CREDIT CARDS MY SCORE WAS AT XXXX BUT MY CREDIT CARDS WAS AT A HIGH BALANCE FOR ABOUT XXXX THAT I PAID OFF BUT I HAD SOME MORE FINANCIAL DEBT SO I TOOK OUT 2 PERSONAL LOAN USING MY TWO VEHICLE AS COLLATERAL TO PAYOFF MY CARD CARD DEBT AGAIN ( IN WHICH IS REPORTED TO THE CREDIT BUREAU AS A AUTO LOANS ) BUT DURING THIS TIME MY CARDS STILL HAD HIGH BALANCE AND WHEN IN TO COLLECTION MY CREDIT SCORE DROPPED TO XXXX ; BUT ON XXXX I PAID OFF RESURGENT FOR MY XXXX  XXXX FOR THE ORIGINAL CREDIT LIMITED WITH THE AGREEMENT OF DEBT COLLECTOR TO SETTLE AND REMOVE THE COLLECTION FROM MY CREDIT PROFILE ( IN WHICH XXXX XXXX CREDIT BUREAU SAY THAT THEY WOULD ADD 21 POINTS IF THE COLLECTION IS REMOVED AND 23 IF IT IS SETTLED AND 25 IF PAID IN FULL ) AND ON XXXX AND XXXX I PAID OFF ANOTHER XXXX  XXXX ACCT WITH XXXX XXXX XXXX AND I ALSO PAID OFF THE BUILD CARD WITH XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN WHICH ALL DEBT COLLECT AGREED TO SETTLE THE COLLECTION AND REMOVE THE DEROGATORY MARK AT THAT TIME MY CREDIT SCORE WAS XXXX AND IN ORDER TO INCREASE AND/OR REBUILD MY CREDIT SCORE I APPLIED FOR AN XXXX XXXX XXXX AND WAS APPROVED I ALSO APPLIED FOR A XXXX SECURED CREDIT CARD BUT THE LIMITED WAS VERY LOW SO I APPLIED FOR ANOTHER FOR XXXX THAT I MEAN TO USE XXXX FOR MY SECURITY DEPOSIT TO PAYOFF THE OTHER CREDIT CARD COLLECTION WHILE BUILDING MY CREDIT BUT WHEN I APPLIED FOR XXXX XXXX CREDIT CARD COMPANY SAID THAT I ALREADY HAD TWO ( AT THIS TIME I DIDN'T KNOW I COULD HAVE JUST ADDED ANOTHER XXXX TO MY DEPOSIT ) SO BUY PAYING THESE COLLECTION IT MY SCORE IN CREASE FROM XXXX TO XXXX NOT INCLUDING MY AUTO/PERSONAL LOAN PAYMENTS AND THE PAYMENTS TOWARDS MY NEW CREDIT CARDS ; IN ADDITIONAL TO THIS THE CREDIT BUREAU SAID THAT MY XXXX CREDIT CARD WAS CLOSED JUST TO DECREASE MY SCORE BY 17 POINTS BECAUSE ALL I NEED WAS ANOTHER POINT TO BE ABLE TO GET A MORTGAGE AND NOT SATISFIED WITH THAT THEY ALSO TOOK 17 POINTS FROM MY CREDIT SCORE FOR AN INQUIRY THAT I DID NOT APPLY FOR AND XXXX  AND EQUIFAX DECREASE MY SCORE BY 100 POINTS AND ALL THREE CREDIT BUREAU REFUSE TO UPDATE MY SCORE OR INCREASE MY SCORE FOR THE COLLECTION I PAID OFF NOR FOR THE NEW CREDIT CARDS PAYMENTS AND 2 AUTO LOAN PAYMENT I HAVE ALWAYS MADE AND THEY CONTINUE TO TAKE AWAY ALL THE YEARS OF PAYMENT THAT I HAVE MADE AND ALL THE GOOD EFFORTS AND THE 5 YEARS ACCOUNTS I HAVE PAID 5 NEW VEHICLE AND THEY GIVE ME NO POINTS OR CREDIT INCREASE FOR NOTHING GOOD I HAVE DONE BUT REMOVED EVERY GOOD EFFORT AND KEEP ALL THE NEGATIVE EVEN THOUGH I HAVE AND AM PAYING MY DEBT THEY CONTINUE TO LOWER AND DECREASE MYH SCORE AND ARE CONTINUING TO SEVERELY DAMAGE MY LIFE BECAUSE I AM RESTORING MY CREDIT PLEASE HELP AND WHAT IS WORST I WENT TO XXXX XXXX XXXXXXXX TO APPLY FOR THAT XXXX SECURED CARD SO THAT I COULD PAYOFF MY OTHER 4 COLLECTION WHILE BUILDING MY CREDIT BUT THE PERSON DOING MY APPLICATION DISCRIMINATED AGAINST ME AND SAID THAT I HAD NO INCOME AND THAT I WAS NOT EMPLOYED SO THAT I WOULD GET THE OPPORTUNITY TO BUILD MY CREDIT ONLY BECAUSE SHE WAS SEVERELY JEALOUSY AND BEING PATHETICALLY HATEFUL BECAUSE SHE NEW IT WOULD INCREASE MY SCORE AND DIDN'T WANT ME TO HAVE A XXXX DOLLAR XXXX XXXXXXXX XXXX CREDIT CARD BECAUSE IT MIGHT OPEN DOORS FOR ME : AND SHE WAS FURIOUS BECAUSE I WASN'T ASKING FOR A LOAN OR A CREDIT CARD WITHOUT A SECURITY DEPOSIT BUT THAT I WAS USING MY OWN MONEY TO BUILD MY CREDIT BUT I NEEDED A GOOD CREDIT CARD TO DO SO AND SO SHE TRIED TO FORCE ME TO APPLY FOR A CREDIT CARD WITHOUT OF A SECURITY DEPOSIT SO THAT SHE COULD HIT MY SCORE AND NEGATIVELY DECREASE MY CREDIT SCORE AND LEAVE A INQUIRY ON MY CREDIT REPORT FOR 2 YEARS SO THAT MY CHANGES OF GETTING A MORTGAGE OR ANY NEW CREDIT ; WOULD BE DESTROYED FOR LIFE WHICH IS WHY SHE REPORTED THAT I WAS UNEMPLOYED WITH NO INCOME AND I WAS FORCED TO PUT MY MONEY INTO A CHECKING ACCOUNT BECAUSE SHE REFUSE TO TAKE THE XXXX CASH FOR MY SECURITY DEPOSIT FOR THE SECURED CREDIT CARD AND SHE ALSO SAID THAT MY ID WAS CONSIDERED GARBAGE AND TRASH ; THEY ALL DESTROYED MY LIFE AND MY CREDIT FOR NO REALLY REASON AND THEY ARE CONTINUING TO REFUSE TO UPDATED MY CREDIT SCORE AND REMOVE MY COLLECTION AND IT IS UNFAIR PRACTICE AND A VICIOUS HATE CRIME TO DESTROY SOMEONE LIFE THIS WAY WHEN I AM MAKING EVERY EFFORT AND ATTEMPT TO CORRECT, RESTORE AND REBUILD MY CREDIT THEY CONTINUE TO PURPOSELY AND DELIBERATELY DISTORT MY CREDIT SCORE REPORT AND THE TRUTH ; MY EFFORTS IN ORDER TO WASTE MY TIME AND MY MONEY HOW CAN ANY MAN ENTER A STRONG MAN HOUSE AND CARRY OFF HIS POSSESSIONS WITHOUT FIRST TYING UP A STRONG MAN THE THEY CAN XXXX XXXX OF HIS HOUSE AND THIS IS EXACTLY WHAT THEY ARE DOING TO ME SINCERELY XXXX XXXX XXXX

Company response to consumer: Closed with explanation