Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I submitted the following complaint. Please refer to complaint # XXXX. Equifax has not fixed this issue. This is my last attend at correcting this problem. Since XXXX, EQUIFAX has continued to give out incomplete or inaccurate information even after I requested corrections. These actions may constitute fraud under both federal and state laws. 

I will not hesitate to bringing legal action against EQUIFAX for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. I will seek actual damages, statutory damages, punitive damages, court costs, and attorneys fees. Thank you. 

Complaint # XXXX Hello. Back on XX/XX/XXXX, I had two XXXX XXXX XXXX accounts ( XX/XX/XXXX Visa ending on XXXX and XXXX XXXX XXXX ending on XXXX ). During the same month I had some fraudulent charges on my XXXX account ending on XXXX. I reported it to XXXX XXXX XXXX. They closed the account and issued a new card ( ending on XXXX ). I moved to a new address and that card never made it to me. Again, they canceled that card and re-issued a third card ( ending on XXXX ). Thats the one I currently have. Equifax has had INNACURATE information on my file since XX/XX/XXXX. According to Equifax, I have only one XXXX XXXX XXXX Account ( Visa ) ending on XXXX. I called them to tell them XXXX XXXX XXXX closed my XXXX account ( because of fraudulent charges ). But they re-issued a new card ( now ending on XXXX ). They said they have never received this new information. When I called XXXX XXXX XXXX about it, they ( XXXX XXXX XXXX ) said they have been reporting every month since then. I believe them because XXXX and XXXX do have the information right. Equifax is the only agency thats missing my new XXXX account. They are conveniently omitting this information from my credit file. This happens to be my credit card with the highest available credit ( currently at {$1600.00} ) and with a credit utilization well below 30 % ( now at {$420.00} ). This is my fourth complaint about Equifax in the last six months. Thanks for your help CFPB. 

Provided Feedback Thank you, EQUIFAX, for replying. I just received the results ( in the mail ) to your Internal Review. Let me start by saying you didnt have to do an internal review because I already gave you all the information you needed. All you are doing is confirming that I am right. My XXXX account ending on XXXX is not showing on my credit file. You didnt bother to pick up the phone and call XXXX XXXX XXXX to confirm the information I am giving you is right. I know so because I just got off the phone with them and they have not heard from you. So not only are you lying to me now, but you are also lying to the Consumer Financial Protection Bureau. You did not conduct a proper investigation which would have included calling XXXX XXXX XXXX  DIRECTLY to confirm the information. Please do so or you will be hearing from my attorney. Thank you.

Company response to consumer: Closed with explanation