Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: MS
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MS XXXX XXXXXXXXXXXX Cell : XXXX Business : XXXX XX/XX/XXXX Attention CFPB about Credit reporting and the way my credit file is not accurate and not disputed properly ending on XX/XX/XXXX. 
My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MS XXXX. My birth date is XXXX XXXX, XXXX. For some reason, I can not access my Equifax credit file even with the information they gave me I can only access my XXXX credit file. I am supposed to be able to access my credit file for 30 days from XXXX XXXX, XXXX. I have on my credit files some items that I do not understand, why XXXX and Equifax and XXXX still have on my credit file. For example, I asked them to take the soft inquires and the hard inquires taken completely off, so my credit score will improve and be accurate. They just gave me an excuse and told me I can not take the soft or hard inquires off my credit file I just asked them about my hard and soft inquires XXXX XXXX, XXXX. In addition to that, I told them that XXXX XXXX did not report the correct or accurate amount that I owe them. They told me they fully understood, but then my credit file does not reflect what I verbalized to Equifax, Experian and Transunion. I told them that on my XXXX XXXX account I owe {$1500.00} but paid {$35.00} on my account. The reason for that was because XXXX XXXX kept sending me aggregation amounts of payments on my XXXX XXXX card every week and that is not the way I should be billed yet alone I should not be billed every week a different amount. If anything, the amount that XXXX XXXX expressed to me was to pay the minimum amount of {$35.00} every month to get your account current. I was planning on doing that every week, until I got letters that were contradicting to what they sent me the first time. Then I got worried about sending them any money, so I just started sending them money orders from my bank account by mail. Anyway, I told XXXX XXXX I will pay the amount off until I finish paying the amount of {$1500.00} off the customer service person told me that was fine when I called back the XXXX the time this month of XXXX XXXX, I was satisfied that I would get this balance paid off. I told Experian Transunion and Equifax about my XXXX XXXX account from XXXX XXXX to present. For my Navient/Education Department I told Experian, Equifax and Transunion that my account was under litigation and should be stated as such and my asking to pay on the account was frozen due to an investigation of fraud on 2 different colleges. I plan on filing my dispute with the accrediting agency for these colleges as well. The time I started talking to Experian Equifax and Transunion about these files was from XXXX XXXX to present. Then there was my XXXX account Transunion, Equifax and Experian told me I did not have that on my credit file. Then when I looked on my credit file myself I saw XXXX Mississippi on my credit file. Then when I did see that I told Equifax, Experian and Transunion to take it off. They told me then that it must stay on them for 7 years and then I can take it off, but to my understanding, if I want to take something off that is not accurate and I have paid the account in full and it will make my advantage score higher than they should take all the items I requested and take them off. Equifax, Transunion and Experian should not allow creditors to have complete access to my credit file and allow my credit score to drop XXXX points from what it was previously. I worked hard on my credit file in XXXX XXXX and got my credit file to a XXXX. Then after I did that then somehow all my effort and hard work went down the drain and my advantage scores were a whopping XXXX. That was very bad considering I worked hard to get my scores down to a decent credit advantage score, please help me to help myself by not allowing Experian, Transunion and Equifax to do what they want with my credit file. First, they allow creditors on my credit file ; even though, my credit file is on a security freeze. So, no one should have access to my credit file except me. There should not be a sudden change of scores, due to interruption of security freeze on my credit file. Also like I have stated Experian, Transunion and Equifax have allowed creditors to report fraudulent or inaccurate amounts on my credit file and these credit reporting agencies will not modify them to make sure they are accurate on my behalf, the bewildered creditor. For example, I saw an inaccurate credit item from XXXX in Mississippi. IT stated that I owe XXXX {$88.00} but that is not the case at all. I cut XXXX XXXX off the minute I knew they were not doing me and my business a service. The only reason, why XXXX was doing that credit reporting on my credit file without my permission, was due to being money hungry and trying to sabotage my credibility of my business. The financial vitality of the business is very important and that is how I stay financially stable. 
I have a business to run called The Sounds of XXXX XXXX, XXXX a limited liability company ; so therefore, I am in desperate need of making all attempts to modify my advantage credit file. I just can not live without having this modification done. My livelihood depends on me having perfect credit scores, without this I am doomed and not allowed to take advantage of the freedoms a well-established business should have on a daily, weekly and monthly basis. It says on MS Code 15 fair trading act that all people have the right to modify their credit to make sure that it is accurate as far as reporting and their advantage credit scores. Also, in Fair Debt Collecting Practices it says the same thing. Also, I found out that Equifax is breached peoples credit files, due to XXXX, so I was wondering, if you can check this information out to see if it was true and accurate Also I am due to get a settlement from XXXX XXXX, my loan servicer. I am going to try and call them tomorrow to let them know about this so I will know when I will get my settlement money and I have a claims number, too, but I can not reveal it on this document. If you have any further questions please do not hesitate to call me at your own discretion. You can also email me as well. My cell phone number is XXXX. My email is XXXX. My business phone is XXXX.

Company response to consumer: Closed with explanation