Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

I filed a credit bureau complaint against XXXX XXXX regarding my XXXX credit card XX/XX/2016and I called XXXX XXXX XX/XX/2016. Comenity bank has ongoing log in and online information issues with their website, on a frequent basis. I had an issue XX/XX/2016, unbeknownst to me, they reported a payment being late. I called their customer service line, which told me that thay could n't help me and that I need to file a complaint with the Credit Bureaus. I filed a complaint with each credit bureau, prior to calling them. I explained to them in detail about my issue and asked to speak to a supervisor, a sr. representative got on the line - not a supervisor, this rep would n't admit for a couple of minutes that she was n't a supervisor. I eventually spoke to a supervisor, which was no help at all. She told me she could n't help me. I received a survey via email, regarding my customer service experience. I rated my experience very poorly, this in turn, prompted a call from someone name XXXX at XXXX Bank, at XXXX on XXXX/XXXX/2016. I missed his call, he left me a voicemail message advising me to call him at XXXX, extension number XXXX. I called him back shortly after receiving this message, but he was n't available and another employee helped me. I explained to her my situation and she apologized for everything and she advised that she changed and corrected the late payment report for XXXX 2016, to reflect " pays as agreed ''. I asked her if this will be corrected with all the credit bureaus? She said yes! XXXX and XXXX are both reporting that I have always paid as agreed with my XXXX Bank XXXX credit card account. The only credit bureau that is still reporting misinformation, is Equifax. I filed an online dispute with Equifax XXXX/XXXX/16 and I called them today ( XXXX/XXXX/16 ). The Equifax representative advised me that XXXX XXXX credit card has n't reported any data to them since XXXX/XXXX/2016. The representative filed another complaint on my behalf ( confirmation # XXXX ). I called XXXX back, reminded him of his call to me in XX/XX/XXXX and what my issue is. He stated to me that he could not help me, he only handles follow-up calls from the survey submissions. I explained to him that my issue was still not resolved and that I spoke to someone in his department, he told me to call XXXX XXXX credit card customer service. I called customer service, spoke to an employee and explained to her my issue along with the fact that I 'm need to move and I ca n't apply for a new place to live because of this issue. The representative that I spoke to told me she would help me and that she was going to conference in a supervisor on the line with us, to assist me. I was left on hold for at least twenty minutes and then my call was placed back in que, after being on the call for 25 minutes. I had to start all over again. I eventually got another representative ( 34 minutes on call ), I explained to the representative my situation, he transferred me to a supervisor named XXXX that blamed Equifax for the issue. As a consumer, I have no idea as to who is lying or telling the truth. All I know, is that I need this issue fixed as soon as possible and I am tired of dealing with this issue. Equifax is blaming XXXX ... and XXXX is blaming Equifax.