Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Equifax previously deleted an account from my credit report and sent me a letter stating that the account # XXXX had been deleted from my credit report. Upon checking my new credit report with the confirmation # XXXX, I noticed that the account that had been previously deleted from my report was now reinserted to my account. From that point I went to the original creditor at XXXX XXXX XXXX XXXX on XXXX/XXXX/2016 at XXXX and spoke to XXXX XXXX who is the Member Service Supervisor. I told her about the current account # XXXX that was showing up on my credit report. She confirmed that the account # XXXX is tied to account # XXXX, and even printed out a copy, wrote a note on my form ; as well as sign and date the form for me. On XXXX/XXXX/2016 at XXXX, I called Equifax and spoke to XXXX . I informed her that my current credit report is showing information from an account that was previously deleted from my credit report. I then proceeded to ask her if the creditor sent Equifax a certification of accuracy on behalf of the account, and she stated that she did not have a clue as to what that was, and that the creditors do not have to send any of that type of information. She stated that if there is a discrepancy about anything pertaining to negative information ; Equifax does not have to personally call and speak to anyone ; they communicate electronically. I informed her that my consumer rights have been violated, because Equifax did not receive any type of certification of accuracy from the furnisher, and I was never mailed anything within the 5 business day time span in order to inform me that previously deleted information was being re-inserted on my credit report. That is my legal right. I told her that if she is unable to delete the information, then I would like to speak to a supervisor who can make a call to verify that those XXXX account numbers are tied to together in order to delete the account from my credit report. XXXX put me on hold for a few seconds and came back and stated to me that she ca n't reach a supervisor, and that she does n't know what to do. When I asked to speak to another supervisor, she stated that she ca n't find one. When I informed her that I was going to submit a complaint to Consumer Financial Protection Bureau because my consumer rights have been violated, then she found an alleged supervisor and transferred me to XXXX. When I explained everything that occurred to XXXX, he stated that he was not going to make any calls on my behalf to clear up this matter. He stated that Equifax is going to go with whatever the furnisher send them, because they are the customer. When I told him about how my rights had been violated, he took my livelyhood and the seriousness of this matter as a joke. When he thought that he put me on hold in order to process the dispute ; I heard him laughing, making fun of me/my situation, and playing with coworkers in the background. When I brought this to his attention he said in a joking and sarcastic tone that he was n't not laughing and making fun of me and my situation with his coworker ; but you could hear his coworker in the background still laughing. I am so disappointed at the way that I have been treated during this whole scenario, because all of the professionalism is gone. I do n't even feel like I can trust Equifax , and it so scary to know that they have complete access to all of my personal information ... .but I was treated like a joke. I am so hurt and I need you to help me fix this. I am so lost for words due to all the pain that I am feeling from this. I have included copies of the previously deleted information, the letter from the original creditor showing that the XXXX accounts are linked together, and a copy of my current credit report, showing that the negative account is still there.