Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Warning : I have about 20 pages of detailed documentation against XXXX XXXX ( and concurrently XXXX ). Until XX/XX/XXXX, I had maintained a high personal credit score in the XXXX ( up to XXXX ) for years for excellent payment and care of any financial issues. I had started a growing business in real estate and construction while being a teacher in the public education system. 

Starting XX/XX/XXXX, I requested a receipt for a charge from a contractor when the charge was incurred on my personal credit card ( though I charged it on my business credit card through XXXX ; this, I have come to realize recently is a wrongful practice with XXXX XXXX ). XXXX XXXX created a dispute instead. I contacted them 7 times within the next month-and-half to fix this and it was only a receipt request. XXXX XXXX not only FAILED to correct this ( though they promised otherwise ), they continued to send the dispute into action. Work was done on a business construction project and the contractor deserved the money. I never disputed the charge ( there is PLENTY of documentation to verify this ). 
XX/XX/XXXX I received an angry text and call from the contractor that his funds in XXXX were removed ( to the tune of over {$5000.00} with fees and penalties on top of that )! I immediately contacted XXXX XXXX ( 7 different representatives/reps ) and XXXX to find out what happened and why. XXXX XXXX reps promised that they would investigate and " fix '' the issue ( but might take 75 days! ). Nothing was resolved by XXXX XXXX for months! I ended up paying more than double the initial amount to the contractor. My reputation was damaged severely ( my business was discontinued in that area, too ), and I lost hours ( more than XXXX ) of effort and more than that much sleep from the fiasco that XXXX XXXX created but would NOT own up to. In the meantime, I turned OFF this personal ( XXXX ) credit card due to the ongoing " investigation. '' The saga continued into the summer and fall. Two unauthorized charges were placed on this " inactive '' card in the meantime. I tried disputed both ( XXXX and XXXX XXXX ). The latter merchant eventually removed the charges, but XXXX XXXX did NOT. I went into the branch ( XXXX XXXX XXXX, XXXX, CO ) and spoke to XXXX about these issues ( my other branch visit to the XXXX XXXX and XXXX didn't even allow me to talk with that manager - who was bullying and unprofessional ). 

I have names, times, and dates of every representative I contacted or heard from. NONE followed through with any restoration or resolution. Letters of denial and completely false information were received not addressing the actual issues. On XX/XX/XXXX, I received a notice that XXXX XXXX had closed my XXXX credit card account ( with the charges still listed ), adding insult to injury. 

Finally, I contacted XXXX XXXX, regional manager ( in Colorado XXXX ). He sent my information to his administrative assistant who called me. I discussed the issues at length and sent my entire file of documentation. The only thing that happened was the unprofessional bank manager at XXXX XXXX and XXXX contacted me and offered to finally credit my account. Instead of this, my account was sent as unpaid debt that was discharged and placed as a serious delinquency on my credit report ( which, until then, was in the XXXX consistently for years ). I am now dealing with this UNFAIR charge that has affected my credit, and my ability to gain credit, and will do so for 10 years! The amount of hardship, emotional distress, and hours of time trying to rectify this has been innumerable!! Please take caution!!