Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear XXXX XXXX ( XXXX ) : I am writing to express my deep concern regarding a significant and unexplained drop in my credit score as reported by your agency. Upon reviewing my recent credit report, I was dismayed to discover a sudden and substantial decrease in my credit score without any apparent justification or explanation. On XX/XX/XXXX. I called your organization at ( XXXX ) and spoke with a representative named XXXX. I emphatically expressed that I was working on building my credit. I have accumulated over XXXX points with the active activity on my account. I have not had any late payments, no collections, and any additional derogatory remarks that would warrant such unexplained score drop since that about XXXX of the same year. XXXX filed my complaint and gave me a case number XXXX. XXXX said I would be receiving an explanation letter with a recalculated score in the mail. I never received the letter or a recalculated score. I also have not been notified by management like the second representative said would happen. 
As a diligent and responsible consumer, I have recently start taken a more proactive measures to maintain a positive credit history. I consistently make timely payments on all of my accounts, manage my debts responsibly, and monitor my credit report regularly to ensure accuracy and address any discrepancies promptly. 
However, despite my efforts to uphold good financial practices, I was shocked to find that my credit score has decreased significantly without any discernible reason. There have been no recent late payments, derogatory marks, or significant changes in my financial behavior that would warrant such a drastic reduction in my creditworthiness.XXXX This unexplained credit score drop has not only caused me considerable distress but also raised serious concerns about the accuracy and reliability of the credit reporting process. As a consumer, I rely on credit bureaus to provide accurate and transparent information about my creditworthiness, which is essential for making informed financial decisions. 
Therefore, I am formally requesting that your agency conduct a thorough investigation into the factors contributing to this unexplained credit score drop. I urge you to review my credit report meticulously and identify any inaccuracies, errors, or inconsistencies that may have led to this decline in my credit score. 
Furthermore, I request that you provide me with a detailed explanation of the findings of your investigation and take immediate steps to rectify any inaccuracies or discrepancies in my credit report. It is imperative that my creditworthiness be accurately reflected to prevent any further adverse consequences on my financial well-being. 
I trust that you will treat this matter with the utmost urgency and professionalism and provide me with a timely resolution. Please acknowledge receipt of this complaint and provide me with a reference number for tracking purposes. 
Thank you for your attention to this matter. I look forward to your prompt response and the restoration of my credit score to its accurate and rightful position. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXXXXXX, MD XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX