Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

This complaint is directed to XXXX, and their finacing company they used BEFORE they switched to XXXX. XXXX ( the website name ) and/or XXXX XXXX. 
Just look up XXXXXXXX XXXX XXXX XXXX you will find all the negative infomation you need to know. 

Lets get started. 

I do not even know where to start. 
Last year XXXX. XXXX. I ordered a tablet from XXXX. I decided to finance it. ( Worst mistake in my life ). I purposely had the tablet sent to my parents address ( I was there for a holiday or something ). Anyway I believe XXXX took a partial payment for the tablet. As I am enjoying my tablet for about a month and a half. And checking my XXXX XXXX accounts. It shows my payment are going through for XXXX and XXXX. I must have set autopayment on my XXXX. 

I am waiting for an email, text from XXXX XXXX  ... you know basic standard practice that I get from XXXX XXXX companies..but some some reason, XXXX, and XXXX both worth billions of dollars... do not send anything electronically. I don't even get an email. I am a XXXX XXXX. I can't tell you how easy it is to use a free thirdparty email XXXX for your website. Anyway. I go back to my parents ... And guess whats in mail? A letter about setting up my finacing account account with XXXX  for XXXX. Ohh ok, fine lets set it up. I set up my XXXX XXXX  account. Now I am an honest person. I DO NOT REMEMBER if I set up autopayment the first time I set it up. This happened a year ago. But I do know me. And EVERYTHING I DO IS AUTOPAY. NO Exceptions. Anway. I am now behind on a payment. Due to me not knowing what I was supposed to do. And I did not get text, email but a letter sent to my parents house of my account status. Eitherway. I send XXXX  and goodwill letter because I have relized that, " Well I should have have done more checks to make sure everything was accurate. Even those XXXX XXXX said that payments were going through. And my assumption I set up autopay with during checkout with XXXX. ( I was exploring pay over time with XXXX  etc, and that was a problem on its on. Because the payment went through at times and then got reject for some reason ). But away. After I got the letter denied. I decided to leave the matter alone. As I releized I could have been more on top of it. Even though I reconzie the technology failure of XXXX and XXXX. Anyway I set up autopayment a little down the line. And payments go through until a couple months ago. ( date from this complaint ) XXXX, XXXX whoever is handling my account. Change their website. I use a password manager. I visted the original website I visited before to make payments. My password manager does not reconize it, so it does not autofill creds. I am sitting here wondering whats going on. Confused. I did make some calls to XXXX... but Because I have no emails or anything from them. I don't even know who I am calling. I have to ask XXXX for XXXX customer service. I called. I am talkingn to some dude in XXXX. He is of no help. I contintue trying the website. And finally I saw that XXXX and XXXX  have changed their website completely. Guess what? No email no letter. ( XXXX today for the first time, someone finally told me they set out a letter to customers about the change ). I call XXXX. Still sending letters when the year is 2024. But anway I was not aware of the website change. No text no email. This is when I get pist, and decided to go after XXXX and XXXX  so I file a complaint. And I want the old late payemt removed off my account, and this NEW ONE THAT GOT REPORTED DURING WEEKS OF TRYING TO REACH XXXXXXXX  and telling them that payments are NOT going through on their new website! I have video proof of me attempting to pay. ( I now have trust issues ). I will not post it because It shows account numbers. But ask for it for further proof! THIS WAS AFTER I HAD TO RESET PASSWORD BECAUSE THEY WANTED USERNAMES TO LOGIN. Its 2024, we use emails. NOBODY SAVES THEIR FUKING USERNAME. AND I BELIEVE THEIR OLD WEBSITE USED EMAIL. Oh btw, since the new website change. All statements before Augest 2024 are missing, AND my payment METHODS ARE NOT ON THE ACCOUNT! So they wiped it out. And EXCEPT AUTOPAY TO GO THRU ... XXXX AND XXXX ARE A JOKKEEEEEEEE!!! AGAIN NO EMAIL NO TEXT!!!!!!! ANYWAY I ATTEMPT TO PAY. On the XXXX when the payment was due on the XXXX of XXXX. I get an error on the website and they said to call customer service. No phone number for the customer service in the error. Joke Company I am tell yall. FAST FORWARD!!!! XXXX  CUSTOMER SERVICE SUCKS! I WAS ON A LOOP BETWEEN DEPARTMENTS FOR XXXX minutes ... then I was on hold for another XXXX minutes with a total of XXXX hour of fukery from XXXX. I hung up! I have decided to get BOTH REPORTS REMOVED AGAINST MY REPORT DUE TO NEGLIGENCE BY XXXX DOLLAR COMAPANIES. I DO NOT WANT TO TALK TO ANYONE ON THE PHONE or EMAIL. BECAUSE I HAVE TRIED THAT. BOTH TURNED OUT USELESS. XXXX GUY FROM XXXX. DOESN'T EVEN KNOW WHATS GOING ON. AND FOR XXXX  ... DON'T EVEN GET ME STARTED!!!! IF ANYONE NEEDS PICTURES OR OTHER PROOF I HAVE THEM. My Tablet is nice, but XXXX AND XXXX  ARE TRASH. I will continue complaining unlesss my issues are resolved. NO EXCEPTIONS!!!! OH btw XXXX  was working on one of the disputes..Credit Karma said it was resolved ... ... NO TEXT, EMAIL OR ANYTHING FROM XXXX  on the matter. I HAD TO BE THE ONE THAT REACHED OUT TO DOUBLE CHECK ON THINGS ... XXXX