Consumer complaint received 2015-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX is engaging in Fraudulent activity with my credit file. ( 1 ) They are reporting accounts not as Creditors are submitting them on a monthly basis, they are sabotaging my report by reporting a month late or even two months late even when Creditors are reporting monthly on a timely basis. EQUIFAX is reporting accounts Revolving and Installments still open when I 've paid them OFF, these bastards are compromising my ability to do commerce. They are lowering my credit score in an attempt to make me pay higher interest RATES, THESE XXXX XXXX went as far as to put an ALERT ( s ) to : File Blocked For Promotional Purposes without my AUTHORIZATION in an effort to stop creditor or potential creditors from offering me credit. I never told these XXXX to put a BLOCK on my CREDIT FILE, never, never told these rodden animals. These crooks think that I 'm not aware of what they are doing. They 've got multiple Disputes noted on my credit file to make potential creditor thinking that these are not my personal credit cards, mortgage accounts, etc., I 've ask EQUIFAX to remove this language off my f ... ... ... credit file to no avail, they are attempting to SABOTAGE my credit file, and its time to FIGHT back! Equifax is refusing to report XXXX XXXX XXXX XXXX pay-offs of vehicles, and corrected balances of Equity loans and balances of current vehicle loans. XX/XX/XXXX I traded my XXXX F-150 Supercrew for a XXXX F-150 Supercrew with XXXX XXXX, XXXX the XXXX manager worked my deal, this XXXX ran XXXX inquiries without my permission and I spoke with XXXX I.D . # XXXX with Equifax Fraud Department stated that she was instructed by General Counsel to personally not remove these Fraudulent inquiries created by XXXX XXXX without my authorization. I 'm Demanding the removal of this XXXX at once, this is compromising my credit score. XXXX XXXX, EQUIFAX is showing an erroneous Bankruptcy case delay game, case number XXXX should have been purged 6 months prior to the 10 year mark, and these XXXX XXXX are still showing this case on my credit file, and I 've DEMANDED that they remove this at once to no avail. I want EQUIFAX to be clear, I 'm looking for an attorney to SUE, I 'm retired, I 'm XXXX XXXX XXXX Veteran, XXXX Beneficiary, 30 years retired insurance agent, I 'm going to take all of my financial resource to PROTECT my XXXX credit, enough is enough this has been XXXX years of SABOTAGE by these folks, this is interrupting my current health condition, enough is enough! Consumer Financial Protection Bureau I will be contacting and contacting your office with my girl friend with a financial back ground. I will make CFPB apart of this Fight, enough is enough! Lastly, I spoke with XXXX, I.D . # XXXX on XX/XX/XXXX, she stated that she was instructed not to make the necessary correction per General Counsel for Equifax. XXXX XXXX XXXX XXXX accounts credit limits and credit balances have been altered in efforts of reducing credit scores. These XXXX XXXX created XXXX difference CONFIRMATION # confirmation number XXXX & XXXX with efforts of protecting themselves from the FRAUD implored by General Counsel for Equifax with efforts of lowering my credit score and with hopes of making me pay HIGH Interest with low credit scores. Also Equifax and its sister company Equifax Mortgage Solutions have made a pack to STOP my Mortgage Refi with XXXX XXXX XXXX XXXX and XXXX, EQUIFAX has refused to make the necessary correction of creditor information so that I can get a lower interest rate with XXXX XXXX and or XXXX. XXXX XXXX with Equifax Mortgage Service a division of Equifax has sabotaged my credit score, refuse to submit to XXXX XXXX XXXX XXXX a supplement for Re-scoring, but compromise of credit file is the only goal by Equifax to-date

Company response to consumer: Closed with explanation