Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I can not believe my score is now XXXX and it was XXXX before Equifax started a dispute without my permission. Making impossible for me to get funding now. On my first compliant I explain how I suffer when I do a dispute with them it takes off too many points for XXXX - XXXX so I can not apply for funding when they did that and if they can remove it until they get feed back from XXXX then put it back the correct way XXXX XXXX. Instead of replying they can not remove it without a dispute and XXXX points will have to be took off your score to do the investigation that is your only option. Clearly in my compliant I said dispute take off too many points making hard to apply for loans during that time. They did a dispute anyway causing my score to fall from XXXX to XXXX. Soon as I realize they did that I call them to cancel the dispute because I am looking for funding now and I did not ask for a dispute at this time I was complainting about the system pulling down your score during a dispute and could they remove item until it is reported correctly from XXXX. They promise to cancel the dispute on XXXX XXXX, it would take 24 hours to update. But it did not update so I call to speak to a supervisor XXXX on XXXX XXXX, and the supervisor told me it was not done incorrectly that is why it did not update and promise me it will be updated it 24 hours. I waited to XXXX XXXX, XXXX XXXX compliant, Also on XXXX XXXX realize the account was updated but Equifax changed the comments on the account and took away to payment history so my score did not update back to XXXX it stayed at XXXX XXXX compliant XXXX. Result from a misunderstanding of a dispute that should have just been cancel and my score should have went back to XXXX in 24 hours. XXXX, XXXX the 24 hour update from the score is it drop from XXXX to XXXX making it impossible for me to apply for a loan At this point removal is the only option or I am out of business from a misunderstand and Equifax changing information on account causing it to appear worse then it was before. Why should I suffer from this error. Today is my birthday and I am so stress out and I have XXXX children XXXX years and XXXX years old. I came to get help and maybe help make some changes with Equifax I feel is not fair to customer. Instead I got completely mistreated from Equifax. They did a dispute when it my compliant I told them that will take down my score, they took 8 days to cancel dispute something that should take 24 hours, they change the comments to collection instead of paid and deleting all the payment history making the account pull my score down to XXXX was the end result from Equifax changes. If I did a 30 day dispute at this point my score would go even lower. Equifax how is this right. I attached the history where your supervisor XXXX said she can not view, she said she can only see the newest report. I was trying to show XXXX what happen to me and to see how the changes effect my score and she said she can not do nothing for me but a dispute with XXXX even thought I told her XXXX did not make these changes some one from Equifax did that. I was told by XXXX that she can not see back that far and it do n't matter anyway leaving me completely destroyed. From a simply misunderstanding that should have took 24 hours to fix. 
I attached score before dispute XXXX, I attached Alert showing XXXX dispute account took score down to XXXX. I attach XXXX account before Equifax changed it. The payment history was there and it did not say collection in the comments it said paid. Equifax changed comments to collection and took away the payment history, Because of this change it cause my score to go down to XXXX when it should have went back to XXXX. This account changes was not by XXXX it was from a cancel dispute. Equifax how can you let this happen to me.

Company response to consumer: Closed with explanation