Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is an ongoing problem with Equifax. Every time I apply for a mortgage, loan or any other type of financing, Equifax Locks/Freezes my Credit Report! This again happened Tuesday XX/XX/XXXX. I spoke with multiple people at Equifax, the first was able to pull up my account, and said they would pass me on to a Supervisor. Before I could say anything, I was on hold for several minutes, awaiting the Supervisor. When the next person answered, instead of the first person staying on and passing my information on to them, I had to start all over again. When I had finished, this person says, '' I can not find you in my system, I have to get you to a supervisor '' and we started the cycle again. The Next person who answered XXXX, Supervisor (  XXXX ),  also had not received my information and I had to go through the entire routine Again. Again I was told I had no file in the system, and was asked to send documentation! I sent what they requested, and waited for a response.

Since I received no response the day after my call, I once more braved the Customer Service Line at Equifax, with the same sad results. Once Again, no one could pull up my account. Once Again, no one wanted to Help me get this resolved. I was passed from person to person to person, finally ending up with XXXX, a " supervisor '' who absolutely Refused to give me her Title and/or her Employee Number. Ms. XXXX fought me continuously, interrupting me, talking over me and basically ignoring everything I was saying. She just kept repeating the same tired line I was fed the previous day. When I tried to explain anything to her, she would shut me down and request more Personal Information from me. All information was sent the Previous day XX/XX/XXXX, and I saw no purpose in resending it again. She did not even try to look up my account until 30 minutes into the call! This was Not Customer Service! 
This was Customer Harassment! 
I lost a deal because of the delay the bank experienced trying to get my report! They would not issue a commitment because of the freeze on my account. 
Also, Equifax reported me Late on a payment back in XXXX of XXXX to XXXX XXXX. The actual fact of the matter was that my Accounts were closed by my current bank, and I was out of the country on a personal matter. When I returned and found out what had happened, I immediately made the payment, and XXXX cleared my account. The actual date of the XXXX Late Pay was XX/XX/XXXX, not XXXX. In XXXX, I pull up my Equifax report, and there is the Late Payment to XXXX listed Still as XXXX, the wrong month. I tried to get this resolved with them, going as far as to file a previous complaint with the CFPB ( XX/XX/XXXX ). I was told that by reporting the problem to Equifax and the other credit reporting agencies, they may not be able to Change my record, but, they Could inform any potential lenders the Reason it was late, ie : bank closed my accounts, was out of the country, switched to a new bank and made payment as soon as I returned. That was the one and only time I had a bad mark on my credit. I thought this might Still be causing me problems, especially after the bank refused to issue a commitment on a new loan I was applying for. This is what prompted the fiasco with Equifax. The bank securing the mortgage for me, said that my account was " Frozen/Locked '' by Equifax, all I was trying to do was find out When and Why it was " Frozen/Locked '', and instead of getting to the bottom of this matter, my calls to the Equifax Customer Service line just caused More Problems which their representatives absolutely REFUSED to help me! 
A Consumer and Business Man like myself, should Not have to put up with such Harassment and Disrespect from a company that is supposed to be Helping me with my Credit, not Harming Me! 
I am Still in the dark about why they have my Account " Frozen/Locked ''. I am Still not getting any cooperation from Equifax. I am Still losing money waiting for Equifax to resolve their issues with my account. Please help me get to the bottom of this. My business depends on financial institutions getting up to date and Correct information on my financial standing. With the problems being caused by Equifax, I could very well lose more than just the One Deal, I could potentially lose my Business! 
Thank you for your time in this matter, if you need any corresponding documentation, I will be happy to send it. I look forward to getting this resolved ASAP.

Company response to consumer: Closed with explanation