Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Hello this is From XXXX XXXX Owner of XXXX XXXX XXXX The XXXX XXXX 
We are a XXXX XXXX very small ) with no employees, XXXX XXXXBusiness. 

We discovered in XX/XX/XXXX from Signing up for an Account with XXXX a service provider that sells Credit Reports to Lenders, and on the Business Side Shows us the 3 Major Small Business Credit Reporting Bureaus with their Risk Ratings : XXXX XXXX XXXX, XXXX  and Equifax. 

Since XX/XX/XXXX We have been working on getting Equifax to correct our incorrect XXXX XXXX XXXX  Risk Grade that Equifax and XXXX have been SELLING FOR A PROFIT about my company. Numerous Emails and Letters have been sent to attempt to Dispute and correct this problem. Both XXXX and Equifax are SELLING OUR BUSINESS RISK GRADE FOR PROFIT and they ARE BOTH UNWILLING AND UN RESPONSIVE TO CORRECTING OUR BUSINESS RISK GRADE TO an A or a B to correctly reflect in the Equifax XXXX Credit report for my business, XXXX XXXX The XXXX XXXX  There is nothing more harmful than NO WAY TO FIX INACCURATE DATA AT XXXX and EQUIFAX as they continue to sell my disputed Business Risk Grade that is incorrect at a D making money on their errors. 

Both of the Equifax Credit Reports for my company come back showing that we are an A-B Risk and that there are no Charge-offs or Bad Debt. In response, Equifax XXXX has sent us 2 Clean Credit Reports to prove that we do have an A Credit Rating. GA Equifax said that we have a good Credit report and have given us 2 copies, but XXXX  of XXXX said today that they are unable to get XXXX or Equifax to stop showing that my company has A " D : Risk Rating '' even though we do not. And, even though our XXXX Credit Report from Equifax does not show any problems. 

XXXX is Profiting from Selling our Incorrect, slanderous and False/ Fake Risk Grade of a XXXX XXXX XXXX who is XXXX XXXX at XXXX has said that there is nothing they can do to have an Accurate Risk Grade for my company. And, neither XXXX nor Equifax XXXX have shown any information on our XXXX Credit Report, Rather our XXXX Credit Reports prove that we have an A rating. After 7 months of this entire File being sent to Equifax, XXXX and to the XXXX XXXX XXXX  and after 7 Months my Business  Credit Risk is INCORRECT AT A D and IT IS BEING SOLD. We DEMAND THAT EQUIFAX AND XXXX STOP SELLING OUR RISK GRADE UNTIL IT IS CORRECTED. THIS IS HARMING MY REPUTATION. 

In fact, with all of ther Letters that we have sent and our attorney has sent we only received a response when filing a complaint at the XXXX XXXX XXXX in XXXX, GA. Equifax Responded that our Credit report was perfect and they Ignored the situation with our D RISK GRADE THAT BOTH EQUIFAX AND XXXX is selling. 
This report is being made to CFPB about BOTH XXXX and Equifax today because they are BOTH PROFITING ( ie Making a Fortune ) off of selling a Fake Risk Grade of a D when we deserve an A. In 7 months many excuses have been made, but no corrections. ALL WE ASK IS THAT EQUIFAX AND XXXX Correct my Company 's Business XXXX  XXXX  THAT IS FAKE and INCORRECT AS a D today on XX/XX/XXXX as it was when I found it on XX/XX/XXXX and ALL THEY NEED TO DO IS CORRECT MY BUSINESS RISK GRADE TO the A-B that we have.