Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I lost my job due to COVID 19 scared our customers and they canceled all our sub contractors contracts. Evicted from our home XX/XX/XXXX XXXX caused my spouse to XXXX XXXX XXXX XXXX XXXX and eventually he abandoned me and our XXXX sons. I moved my sons and myself into my parents home. My youngest son has XXXX due to the extreme verbal and physical abuse he witnessed me suffering while still living with his father on drugs. My teeth were knocked out by my husband. I got a loan from XXXX XXXX to fix the XXXX broken teeth by a dentist in Florida. Then we were evicted and moved to Texas to my parents home. The new dentist I used was given my XXXX credit card number for the XXXX XXXX  only in XX/XX/XXXX. XXXX XXXX and myself had a treatment plan agreement that stated my dental insurance would be charged for the XXXX crowns because by XX/XX/XXXX I had met my 12 month waiting period for major dental. This meant I had XXXX major dental treatment allowances ( crowns ) to use for XXXX that would only cost {$370.00} meaning filing my insurance would pay XXXX XXXX {$370.00} each crown rather than the retail price of $ XXXX {$1800.00} that I would have had to pay had I not met my 12 month waiting period with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX did not file the crowns with my insurance fraudulently charged my XXXX XXXX account unauthorized by me and the agreement I signed the entire remaining balance on my XXXX XXXXt card! The XXXX XXXX was {$240.00} and the meds from XXXX were {$39.00} I authorized only these XXXX charges with services provided by XXXX XXXX. XXXX the office manager called me at XXXX and had me pick up and gave me instructions to take XXXX XXXX starting that night at bedtime and finishing the XXXX pills once I arrived at the office only notifying me of this script the night of XX/XX/XXXX the service date of my crowns was XX/XX/XXXX. I should not have been XXXX for crown build ups and temp crowns but I did what they told me because I trusted they were honest and I signed the treatment financial obligation so I didnt assume they would use my signature and credit card fraudulently. I have tried to work it out with them since XX/XX/XXXX and it was just phone tag and they never would schedule me to receive my crowns and kept promising they would reverse the charges XXXX and file with insurance and they kept filing incorrectly I would call XXXX and they would tell me the teeth numbers werent sent on the claims among other alleged mistakes XXXX XXXX billing department kept making. Meanwhile I had to pay the monthly so my moms credit wasnt effected because she co signed on the XXXX XXXX account so what happened to me happened too her credit as well! I had to pay cash to another dentist to finish the crowns over {$6000.00} with no job no husband no way out XXXX XXXX XXXX finally reversed and disputed the charges made by XXXX XXXX and it was taken off my credit report and my moms. Now its back? Why? And says paid as scheduled? No its not and this was resolved in XX/XX/XXXX with XXXX XXXX after I sent all the documents and proof of the fraud. Please stop taking advantage of people all three bueros XXXX XXXX and Equifax had to remove the debt from my report. Why is it back? Im having a hard enough time paying the XXXX XXXX XXXX credit account for wood flooring that was installed into the rent house we were evicted from because of COVID closing our company loss of wages in a house were installed into!!!! I traded the floors for XXXX month of rent and now I pay every month for floors I dont walk on and I dont dispute that account because I authorized the charge for the flooring. But the XXXX XXXX account is reporting and hurting my and my moms credit when it was revered and resolved as fraud by XXXX XXXX! Why are all these professionals allowed to steal and basically embezzle money from people to keep credit scores in tact? This needs to be deleted from my credit reports and my moms credit report as well!!

Company response to consumer: Closed with explanation