Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MA)

Equifax and XXXX continue to report the XXXX XXXX Credit Card as a negative item. 
They have been repeatedly explained that the credit card was closed, by me, with XXXX balance, in XX/XX/XXXX-XX/XX/2011, because it had bee and remains the worst credit card I have ever had. They charged foreign transaction charges on the purchases made in XXXX, where the currency is $ $ USA. plus some other charges, which made the XXXX XXXX card totally unusable for travel. In addition to this, they had made every dispute procedure into a XXXX, always doing what a merchant wanted them to do and never following the established dispute procedures, I closed the account immediately after receiving my first statement with the XXXX purchases. The closed account had a XXXX balance. Around two months past my closing the account, XXXX re-opened it, billing me for the dispute, previously decided in my favor, charged back by XXXX. At that point, XXXX refused point blank to follow the dispute procedure. They never gave me a chance to present the documents demonstrating the XXXX original fraudulent charges. Instead, XXXX commenced reporting my account as past due. Then, they went as far as to break into my savings account and try to steal the amount of dispute PLUS the charges doubling the dispute from my savings account. My complaint to the Oregon Attorney general was effective in XXXX refunding me the money they had stolen from me. However, having returned the stolen money, XXXX began reporting my credit card account as late for the XX/XX/XXXX and XX/XX/2011 and as closed by them, BOTH OF WHICH ARE LIES. I CLOSED THE ACCOUNT AT XXXX BALANCE, I HAVE NEVER BEEN LATE AND I REFUSED TO PAY THE MONEY I DID NOT OWE XXXX, BECAUSE I HAD NEVER RECEIVED ANYTHING FOR THAT {$210.00}, For the past 5.5 YEARS I HAVE CONTACTED EQUIFAX AND XXXX NO LESS THAN XXXX TIMES, PRESENTING ALL INFORMATION THAT PROVES THAT I AM CORRECT. I WASTED ENDLESS HOURS OF TIME, BUT THOSE XXXX CREDIT AGENCIES WOULD HAVE MY CREDIT REPORT CLEARED FOR ONE MONTH AND THEN RESUME THEIR FALSE REPORTING, always stating that what XXXX says is correct. I have filed complaints about XXXX false reporting and crooked practices on other matters. The reply of XXXX regarding reporting and other crooked practises has been repeatedly same - 1. threats to close my account and 2. insistence that they have the right to ruin my credit report by their false reporting of my allegedly late payments that I have never owned them. SO, WHAT THE CREDIT REPORT IS FOR? TO RUIN OUR CREDITS BECAUSE FRAUDULENT CREDITORS VICTIMIZE US FOR DISAGREEING WITH THEM? Yesterday, having seen my last credit reports, I filed, yet, again disputes regarding that allegedly negative item in my report with both Equifax and XXXX. This will be MIN 20th time of my disputing this negative item and demanding that it is straighten out AS .1 account was closed by me and 2. Have never been late with payments to the XXXX Credit card. 
After many letters to the Equifax and XXXX, the former, at long last, published my consumer statement, cut where they pleased. XXXX refused to do even that. Moreover, they give only their own statement one liners as a statement option, which has nothing to do with my case. THE STATEMENT MUST HAVE SAID : THE XXXX CREDIT CARD WAS CLOSED BY ME AT XXXX BALANCE, BECAUSE OF THE UNACCEPTABLE CUSTOMER SERVICE AFTER MY CLOSING OF THE CARD, XXXX POSTED A FRAUDULENT XXXX CHARGE TO MY ACCOUNT AFTER MY COMPLAINT TO THE OREGON ATTORNEY GENERAL, THE CHARGE WAS REMOVED, BUT XXXX AND EQUIFAX AND XXXX INSIST ON REPORTING THIS ITEM, FOR SIX YEARS, AS NEGATIVE, THEY LIST THE ACCOUNT AS NEGATIVE, BUT THEN DESCRIBE IT - PAYS AS AGREED