Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Business Credit Report Issues with Equifax Complainant : [ Your Full Name ] [ Your Title/Position ] Required XXXX XXXXXXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX Complaint Against : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Telephone : XXXX Email : XXXX Subject : Inaccurate Business Credit Report and Lack of Resolution Case Details : Since early XXXX, the business credit score for XXXX XXXX XXXX XXXX has significantly decreased despite all payments being made on time. Equifax 's reports continue to reflect a Business Delinquency Score that is inaccurate and does not align with the financial behavior of my business. 

The Business Delinquency Score dropped from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, despite having no delinquencies, no past-due balances, and maintaining a Payment Index of XXXX. This ongoing error has negatively impacted the reputation and creditworthiness of my business. 

I have made numerous attempts to resolve this issue with Equifax, including : Calling Customer Service : I have contacted Equifax 's customer service several times, but my concerns were either dismissed or no action was taken to investigate or resolve the issue. 
Emailing Equifax : I sent several emails to XXXX, providing documentation and requesting clarification. However, my emails were ignored, and I received no meaningful responses. 
Attachments : I have attached copies of the following documents for reference : Business credit report from XX/XX/XXXX Business credit report from XX/XX/XXXX Business credit report from XX/XX/XXXX These documents show the consistent on-time payments and lack of delinquencies while highlighting the unjustified decrease in the Business Delinquency Score. 

Impact on XXXX : This incorrect reporting has negatively impacted XXXX XXXX XXXX XXXX by creating an inaccurate perception of financial risk. It has caused unnecessary difficulties in securing business relationships and potential credit opportunities. 

Request for Resolution : Conduct a thorough investigation into the business credit report for XXXX XXXX XXXX XXXX. 
Correct any inaccuracies in the Business Delinquency Score and other reporting. 
Provide a detailed explanation for the scoring methodology and any factors impacting the current score. 

Additional Issue : Problems Updating Business Address Along with the inaccuracies in the business credit report, I have also encountered significant challenges in updating XXXX XXXX XXXX XXXX 's new physical address in Equifax 's records. Despite providing all the necessary documentation and making several attempts through phone calls and emails, the new address has not been updated. 

The current address on file is : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The new address that needs to be updated is : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Impact of Address Issue : The failure to update the physical address has created unnecessary confusion and complications, including delays in correspondence and potential impact on our business profile 's credibility. 

Business Address Update email problems.

Company response to consumer: Closed with explanation