Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/20 The lender ' XXXX XXXX XXXX is reporting on the XXXX and the update showing by the XXXX. However my credit Bureaus other than " XXXX '' have seem to not be abiding by the credit reporting laws. 

On this account, " XXXX '' has been reporting the balance correctly. Great job! 

However the other two need to correct the error, before I seek legal counsel. 

XXXX XXXX, has informed and advised that my reporting date is the XXXX of each month. I may not see the update, until the XXXX because they have direct reporting. 

Through the gathering of information I have identified that that XXXX, and Equifax seem to just be updating give or take lets say the XXXX of the month. 

XXXX, been reporting on the XXXX of the month. Reporting Information not within normal appropriate updating of 48 to 72 hours, but 16 days delayed unacceptable due to the fact I'm having to pay higher rates during in the Negligence. I didn't ask these bureaus to report a XXXX thing about me. However if you are make sure its acute or it's as not reporting at all. Verses displaying dated and age information on American Consumers. 

Then sending the American people to speak with all these off source call centers that lack the appropriate insight to provide a solution started calling there office at XXXX to XXXX on XX/XX/20 ; I've spoken with five people with no help rather lack of professionalism. To only be advised they don't reach out to the to lenders, I would need to file a dispute, which would add 30 days, onto the 16 days they already hadn't did a XXXX thing with. So now we are 45 days into updating a credit reporting information. In me having to prove their error, this is a disservice to the American people. To it seems require me to pay higher interest rates with lenders. 

Leading to Equifax, they advised they last update XX/XX/20, excuse me tomorrow with be XX/XX/20, which is 52 days in they still haven't updated my credit profile. Something, I didn't even request for them to perform tracking of and reporting. Now add the dispute timeframe of 30 days, now them a 82 days, to report what it is they seem to quote on being skilled at doing. Based on this my teenager, would do better update and data entry efforts this is not sending air Planes Inflight,  rather basic credit reporting. This is my last attempt before seeking legal assistance, if you are going to report information ensure its correct, or don't report at all its call accountability. The same manner that negative information is reporting take those same efforts to report positive information. Or we will have to allow the courts to decide, what's right and what may need to be updated. All this over reporting a credit card, just simple task that has been created to coast consumers more cash. 

Maybe the bureau, and the CFPB, need me to use my social media networks to have protests formed across the nation on this injustice affecting XXXX and XXXX people already having a hard time to in our current climate XXXX. 

Name : XXXX - " XXXX '' ; then when asked so called Manger what  was her Title was she hung up the line as if she wasn't on the line. I could still hear her breathing, this call was on or around XXXX Est, on XX/XX/20. This was after waiting on the line over 1.5 hours. In we should reach out to the bureau for what again? 

Utter Disappointment!

Company response to consumer: Closed with explanation