Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, 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. (ND)

Dear Sir or Madam : On XX/XX/2021 XXXX a Sunday Afternoon ), I, XXXX XXXX XXXX XXXX the Complainant ) had received an email alert message from Equifax Information Services LLC., ( Equifax ) which had stated : Your credit score changed on XX/XX/2021 and is now within a new score band. 

New Credit Score Band : Fair Previous Credit Score Band : Good You set your preferences to be notified when your credit score band changes. See Exhibit A. 

In which, my Equifax credit file score had dropped forty-nine ( 49 ) points from XXXX points dated on XX/XX/2021 ( see exhibit B ) to XXXX points dated on XX/XX/2021 ( see exhibit C ). After, I had applied and, I had been approved for the XXXX XXXX XXXX secure credit card in conjunction with the associated deposit of XXXX XXXX ( {$300.00} ) dated on XX/XX/2021 ; in order to secure my XXXX XXXX XXXX  credit card revolving balance account. And, I had not yet received, my XXXX XXXX XXXX secure credit card from the jurisdiction of the United States Postal Service ( USPS ) mail delivery to become activated or used towards any store purchases. Therefore, how did my Equifax credit file score drop to XXXX  ( XXXX  ) points when I had not used my XXXX XXXX XXXX  secure credit card for any purchases nor have, I received, my XXXX XXXX XXXX secure credit card by mail delivery from the USPS jurisdiction, as of XX/XX/2021 to make any stores purchases? 

Furthermore, prior to me applying for my XXXX XXXX XXXX secure credit card, I had zero percent ( 0 % ) Equifax credit file score utilization rate and, my XXXX XXXX XXXX secure credit card annual fee payment cycle period was from XX/XX/2021 to XX/XX/2021 due on XX/XX/2021, in the amount of twenty-four dollars ( {$24.00} ) which effected, my Equifax credit file score utilization rate that went from zero percent ( 0 % ) to eight percent ( 8 % ). And, in calculating my twenty-four dollars ( {$24.00} ), XXXX XXXX XXXX annual fee amount divided by my XXXX XXXX XXXX secure credit card deposit of three-hundred dollars ( {$300.00} ) which had calculated to eight percent ( 8 % ) that is below the thirty percent ( 30 % ) XXXXXXXX XXXX XXXX, XXXX threshold requirements for Equifax credit score utilization ratio. And, recommended by the Consumer Financial Protection Bureau ( CFPB ) which keep my Equifax credit scores steady without any derogatory drop in points against my Equifax credit file account. So, why did my Equifax credit score dropped XXXX ( XXXX ) points from XXXX points dated on XX/XX/2021 ( see exhibit B ) to XXXX  points dated on XX/XX/2021 ( see exhibit C ) when my Equifax credit file utilization rate is only to eight percent ( 8 % ) below the thirty percent ( 30 % ) threshold required from XXXXXXXX XXXX XXXX, XXXX? And, my XXXX XXXX XXXX  secure credit card annual payment was not past due to receive any derogatory mark into my Equifax credit file account that should not have affected my Equifax credit file utilization rate.