Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I will break this down from the overall issue first and then give my specifics points of proof afterwards. 

Basically, my credit score, for whatever reason is grossly understated. My credit score is a XXXX, and I have over 17 years of credit history, which the credit history in my report is marked excellent. As of XXXX I went to trade in a vehicle and could not even get approved without taking on the most ridiculous terms I have ever seen. So when they ran my credit, I at that time had the current car loan of {$19000.00} on my report, and two credit card bills. 
First, I have a XXXX XXXX credit card bill which gets paid off in full every month usually around the amount of {$2700.00}, and last month I actually overpaid the balance. So when the credit report was pulled my wells charge had been paid 14 days prior to running my credit, yet it was showing as an outstanding balance! I have talked to others who have paid off Accounts, and within a day or two that amount comes off their credit report. That said I have one other credit card balance in amount of & XXXX which I have had trouble paying but have made small payments. So fast forward two months and at this time the $ XXXX car loan was no longer on my report as it was paid off when I traded in car, which I needed a co-signor for. At this time it had said my credit score had gone down a point to XXXX!?! How does a $ XXXX outstanding loan get paid off and someones credit score go down? Doesnt make any sense. Now at this time my wells credit card bill was on this report as well but a different balance, but again had been paid off over 10 days at this point but still showing outstanding. I have had this bill for years, and never once missed a payment, That said the example that I am going off is my fianc, who happens to have no credit history, not like mine of 17 years, has outstanding student debt, has missed many payments, have had ex partners open lines of credit in her name, and yet she has a higher score then me!? Has never even had a credit card!! And her score is isomewhere near XXXX! That flat out doesnt make sense. I have had years and years of cable bills, utility bills, credit cards, car purchases, maybe one Collection years back, but years and years of credit history, all of which shows paid for all these accounts, and yet she has a higher score than me? I have one outstanding balance for this other card of {$3000.00}, but besides that there are people with {$50000.00} on outstanding balances and multiple open accounts, and they have higher scores than this. 
Basically something isnt right here, somewhere somehow an algorithm or something has calculated my score in correctly, and I really need this to be fixed. I am a father of XXXX and I know how important good credit is. I am afraid that I wont be able to get this fixed. I have all the supporting information to back up the above information. The report I have been looking at is thru my XXXX XXXX XXXX  account. 
Please let me know what can be done about this, and how to proceed. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation