Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX has reported my account delinquent for XXXX, XXXX, and XXXX on all Credit reporting websites XXXX, Equifax and XXXX, despite my first valid payment being made on XX/XX/XXXX. In XX/XX/XXXX, I tried to make my first initial payment the account only had {$140.00} in charges that I actually made, I couldn't log into the system to make a payment as it showed I wasn't a customer also despite speaking with the an offshore rep and receiving a text message. I called XXXX XXXX in XXXX as my household income was effected due to the government shutdown {$75.00} was the amount to be paid on XX/XX/XXXX. I received a statement in XXXX for {$440.00} as the new balance and {$120.00} was due, I called XXXX XXXX XXXX XXXX with an offshore rep who stated that I had to pay that amount to bring my account current, and there was nothing in the file that indicated a payment agreement on file. I asked how can the account be deemed late when I had no payment until XX/XX/XXXX. I made a formal complaint in XXXX in regards to this. I tried to make a payment on XX/XX/XXXX, my information still wasn't in the system, I had to update all the information even though it was confirmed in XX/XX/XXXX it was update. I called on XX/XX/XXXX to make the payment and was told that I owed {$180.00} instead of the agreed {$75.00}. Called again on XX/XX/XXXX, I was told that since no payment was received the payment arrangement was now voided, but they can start another one. I asked how is this possible, when I have since XXXX. I called back on XX/XX/XXXX, I spoke with XXXX different people including fraud rep and card ending in XXXX was discontinued and a new card of XXXX. I went in another payment agreement on XX/XX/XXXX of paying {$85.00} on that date, I made the payment and then was told that the payment didn't go through because of the incorrect information loaded. I called XXXX XXXX after it showed the payment didn't go through, was told that the payment agreement was voided and that again another one can be started, this time by an account rep who stated that it was because the payment didn't go. I received the XX/XX/XXXX statement for card ending in XXXX and not nothing indicating XXXX for a payment due of {$500.00} and minimum payment of {$200.00}, the statement stated my account is suspended but can get it back on track. I have received incomplete statements for XXXX, XXXX and XXXX, XXXX XXXX has accessed charges of {$360.00} pn the credit card. This repeated inaccurate reporting is in violation of FCRA. I request immediate correction, written confirmation and proper reporting going forward. Also they need to make their offshore representatives are fully aware of accounts and held accountable for being unprofessional because many feel they can not be in trouble because they work in different countries. This account has been XXXX trying to get everything on track and I feel bullied by XXXX XXXX who constantly report this account to the credit bureaus and state the account is accurate when its not.

Company response to consumer: Closed with non-monetary relief