Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX To Whom It May Concern : I ( XXXX XXXX ) am writing this letter/email because a great injustice has occurred. I am a social servant. A law abiding citizen who has never been in trouble with the law. On the contrary, I am A XXXX XXXX with an XXXX who has serviced families on the front lines equipping families and individuals to live an optimal life. 
Ironically, I'm attempting to be an example by overcoming many of my own trauma 's one which is being a XXXX XXXX. I was perpetrated against in XX/XX/XXXX. I took my pain and decided to focus on something worthwhile. I decided to get out of that relationship and focus on me so I started to build my credit, complete a first home owners class and started saving for my own home. I had to rebuild myself. 
Things were going according to plan my credit scores began soar from XXXX 's mid XXXX 's. On XX/XX/XXXX I decided to help my scores by paying down my XXXX XXXX and filed a dispute so records would reflect accurately. On XX/XX/XXXX I decided to pay down my XXXX XXXX again and filed a dispute once again so that records would reflect accurately. With each dispute I feel as though I was penalized harshly for doing so. 1st dispute my score took a hit 50 points and 2nd dispute my score took a hit 45 points. ( my points don't even get hit that hard when I max out my credit card, the points taken from me were XXXX ). 
As of XX/XX/XXXX Myfico XXXX score is reflecting XXXX. All my hard work gone, chances of getting home slim to none with such a low score. I have maintained a Fico score of ranging from XXXX since XX/XX/XXXX. I take great pride in paying bills on time and increasing my credit score as I have dreams I'm attempting to pursue. 
Please Assist XXXX is no reason why my score is reflecting at XXXX. My credit report is in error please investigate and make right. I called Equifax and was told that they no longer have FICO scores but Advantage and I was told that they didn't report anything and not sure how or why my points dropped 45 points though My fico transcript reflect that it was in deed Equifax. I am in need of my XXXX points reversed back to me, please help.On XX/XX/XXXX I was disputing the First XXXX XXXX of {$200.00} because I had paid bill down to XXXX on XX/XX/XXXX, by the time dispute was complete XX/XX/XXXX I had made purchases on my card totaling {$100.00} over 10 days dispute was pending .This is in Error I never disputed the {$100.00}, please correct. Again I was Only disputing {$200.00}. I need Justice not a hand out. I work extremely hard and diligently at paying all my bills on time. I shouldn't be penalized for exercising my right to dispute inaccuracies on my credit report. Thank You for your time. Enclosed you will find documentation supporting my case. utilizing their supports. Thank you for assistance in addressing this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation