Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom it May Concern : I have an XXXX XXXX in the state of CT since XX/XX/XXXX. My small business is a XXXX XXXX I am 100 % shareholder. 
XXXX I opened a XXXX  XXXXXXXX XXXX XXXX card. I am also an authorized user on the card. I cant recall the opening available limit at that time or the exact date, but it increased to {$20000.00} over time and has remained until recently. 
XXXX I filed a personal bankruptcy that did not include my XXXX XXXX XXXX a separate entity. 
XXXX XXXX XXXX reduced my limit to {$14000.00}. My outstanding balance at that time was {$12000.00}, with an 11.24 % APR. 
XXXX I missed my minimum payment by a few days. I contacted XXXX to negotiate a reversal as a good will gesture due to my financial hardship. They refused as I had already taken advantage of their 3 month Covid relief policy early on in the pandemic. 
XXXX I again missed my minimum payment by a few days, was charged a late fee, and denied forgiveness, APR increased to 27.24 %, bringing me over the limit by {$180.00}. My XXXX XXXX points were deducted to XXXX. 
XXXX I contacted XXXX to see how I can be helped as my financial situation was worsening. They didnt offer anything I could afford to agree to. 
XXXX I obtained funds and made a payment on XX/XX/XXXX of {$2000.00}. On XXXX I made a payment of {$11000.00}. APR 27.24 % XXXX I thought my balance was XXXX with full credit available. There was a charge of {$92.00} for interest charges. APR 11.24 %. I called to question the finance charges as I paid the balance to {$0.00} before the close of the billing cycle. My research led me to discover this was residual interest. I contacted XXXX to remove that charge as not applicable per their card agreement. 
XXXX XXXX reversed {$92.00} and labeled it a courtesy refund. It was less the full amount by {$0.00}. I made a purchase of {$92.00} to again bring my balance to {$0.00}. I was unaware at the time of purchase of the {$0.00} error. I was also credited {$12.00} labeled as credit interest charges. As I gather the information for my complaint, this is the first time I am noticing this. Possibly a refund due to me. Further investigation on my end would be needed to determine what happened. APR 11.24 % XXXX The XXXX was finally refunded after numerous calls to XXXX XXXX 
XXXX XXXX XXXX reduced my credit limit to {$1200.00}. APR 11.24 % XXXX My XXXX XXXX points were reduced to XXXX. A {$6.00} balance remained after usage/payments. As I write this, this amount appears to be another case of residual interest. I have not taken action to negotiate at this moment. APR 11.24 %. I made the {$6.00} payment to bring my balance to {$0.00} when I became aware of it. 
XXXX 11.24 % APR. {$280.00} balance. This was not a purchase made by me. I disputed the charge, XXXX investigated, the charge was reversed as erroneous bringing my balance back to {$0.00}. APR 11.49 % XXXX XXXX XXXX reduced my available credit to {$500.00}. {$0.00} balance. I am unaware of the current APR at the time of complaint. 
Intermittently, I had been using the card and either making a minimum payment, or bringing the balance to {$0.00}. 
I called the toll free number on the back of the XXXX XXXX to question the reduction on the available credit. I was alerted it was due an account review and reporting via Equifax. 
I pulled my credit report on XXXX I had a situation with the listing of my personal mortgage, showing both CLOSED and DELINQUINT. I was very confused by this because I had not included my home in my XXXX personal bankruptcy filing and I have had 1 late payment since I purchased my home in XXXX. The fee resulted when I created an online payment account for the mortgage. I was unaware that XXXXXXXX XXXX ( mortgage holder ) and XXXX XXXX XXXX XXXX  ) were not ACH compatible. A paper check had to be sent. The late fee was reversed as a courtesy for the situation. I am current and timely on those payments continuously. 
XXXX I commented negatively on XXXX to a promoted post by XXXX XXXX The claim was how they were Committed to investing in opportunities for 10 million women globally by XXXX. As this public persona grossly contradicts my ongoing experience with XXXX, I commented. I was contacted by @ XXXX and invited to XXXX them my issue for resolution. A call back was set up for XXXX from a representative from the executive office in South Dakota. No call was received. 
XXXX I reached out to my bank to gain clarity on what was happening with the mortgage reporting. 
I explained the situation I was in with my XXXXXXXX XXXX card. I received the following response from XXXX XXXX Hi XXXX I left a message for you. I verified with Equifax that the Delinquency First Reported field is automatically populated as the 1st of the month during which the bankruptcy is first reported. This is a mandatory field that we can not change.

I contacted Equifax to dispute the reporting 18 emails were exchanged in attempt to rectify this situation with them between XXXX XXXX I contacted XXXXXXXX XXXX via email to XXXX XXXX, CEO and XXXX XXXX, CCO XXXX I received an auto reply, indicating, if applicable, they would contact me within 15 days. XXXX XXXX XXXX : XXXX. 
XXXX The Equifax representative directed me to create a Myequifax.com account. The representative alerted me that my mortgage reporting had been updated and corrected. I created that account on XX/XX/XXXX. I noticed that the information on that site was vastly different than the one on XXXX. My mortgage was not listed on MyEquifax at all and showed CLOSED & PAYS AS AGREED on XXXX I questioned how both could be true simultaneously and provided the report differences via attachment and copy and paste from MYEquifax.com in the body of the email, as I could not locate a print option on the site. I believe I am expecting the hard copy via US mail. There were additional discrepancies I wanted to address as well. The representative asked where I got the report I attached. I told her XXXX. I questioned why they would be different. I have not received a reply despite multiple attempts to contact them. 
XXXX I received a call from XXXX from XXXX XXXX She identified herself as from the SD executive office. I wanted to know if she was calling regarding my XXXX DM or my email to XXXX XXXX. She said she was from XXXX XXXX office, but also said XXXX. I am still not certain what action of mine prompted her call. The call was received at XXXX EST for 39 minutes on a recorded line. We had a very passionate discussion and XXXX wanted me to provide my credit report to an email she provided. I did not take that action. She informed me that XXXX pulls credit every 30 days. When I questioned her as to why my Corporations card was being negatively affected by my personal credit as they are separate entities, her reply was Thats how we do it now. I believed this to be a problem and I decided to take further action by contacting the Attorney Generals office of CT with my concerns. 
XXXX I filed my complaint online with CT Attorney General. 
XXXX I received email correspondence from CT AG , alerting me that my complaint has been forwarded to the Department of Banking state of CT. At their suggestion, I am filing with you as well as other agencies that may hold interest in my situation. 
XXXX I also received an email from XXXX XXXX XXXX, Reference # XXXX. This email references my inquiry regarding discriminatory practices. I dont believe my correspondence was reviewed correctly as my concern is my Corporate Credit card being affected by my personal credit report. My reference to them empowering women was questioning the integrity of that based on the fact that I am a woman and I own a small business. I dont feel empowered, but rather battered. Maybe I confused them. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation