Consumer complaint received 2024-08-15
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2024 Equifax Mortgage Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Inaccurate Information and Poor Customer Service To Whom It XXXX Concern, I am writing to formally lodge a complaint against Equifax regarding a recent experience I had while attempting to complete a credit supplement required by XXXX XXXX XXXX XXXX. The purpose of this supplement was to verify the removal of several accounts from my credit report, which is essential for my ongoing mortgage process. 

On XX/XX/2024, I called Equifax with my husband, XXXX XXXX, to complete the supplement, as both of us needed to provide information. The representative we spoke to verified our identities and informed us that my accounts would be addressed first. 

The first account was handled without issue, but when we moved on to the second account, the situation deteriorated significantly. The representative from the company handling the second account stated multiple timesat least fivethat the statute of limitations on the account had expired. Despite this, the Equifax representative repeatedly asked for more information. Eventually, the company representative stated that if I agreed, the debt could be reinstated starting from that day. 

I made it explicitly clear that I did not agree to this and had no knowledge of the account in question. Despite my clear refusal, the Equifax representative continued to press the issue. The company representative again repeated that the statute of limitations had expired. However, the Equifax representative documented the account as " open '' with a specific amount due, completely disregarding the fact that the statute of limitations had run out. When I questioned this, the Equifax representative insisted that the amount provided was all that mattered. 

This handling of my account is not only inaccurate but also potentially damaging to my credit profile and mortgage process. I believe that Equifax has a responsibility to accurately record and report information, and in this instance, that duty was not fulfilled. The correct information, as stated by the company representative, is that the statute of limitations on the account has expired. This should have been reflected in the documentation. 

Due to the inaccuracies and the unprofessional conduct I experienced, I ended the call, as I felt that the Equifax representative was attempting to coerce me into agreeing to terms I did not consent to. 

I am requesting that this issue be thoroughly investigated, that the incorrect information is removed from my credit report, and that proper training is provided to ensure that such incidents do not occur in the future. Additionally, I request that a copy of the corrected report be sent to me as soon as possible. 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter is taken seriously. I trust that Equifax will take the necessary steps to rectify this situation promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX