Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
XXXX XX/XX/XXXX My dear Madam or Sir, Subject : Ultimately, I only hope that Equifax will review these credits of mine for the sole purpose of getting my XXXX XXXX XXXX for graduate students approved My dear, I am  XXXX XXXX XXXX who would like to let you know as following : Immediately after my XXXX XXXX XXXXXXXX for graduate students was denied due to my credit reports from Equifax, I first thought those reports were very accurate. However, after several unsuccessful attempts to contact them for discussion, I recognised that the reports were accurate but not yet updated. Nevertheless, right now I believe that these reports should be reconsidered for the following reasons : First part of all, my {$6000.00} credit debt in bank XXXX XXXX was wiped clean without any records. The evidence is that in my archived records, it was recorded at XXXX XXXX  on XX/XX/XXXX with the title Commemorating the day XXXX  XXXX helped XXXX XXXX register [ the land in VN by ] her name. 
In this article, there are details as follows : At XXXX XXXX  on XXXX, XX/XX/XXXX [ in XXXX ], which is also exactly at XXXX XXXX  on XXXX, XX/XX/XXXX [ in the US ], The transfer of XX/XX/XXXX acres of land to [ you ] was completed so quickly, giving [ me ] more health and strength to continue working to earn money every week while helping [ you ] and paying off the bank debt. 
The words " PAYING THE BANK DEBT '' mean that from XX/XX/XXXX and later, I still hoped to be able to pay off the bank debt. But then it wasnt because I lost my job, it was because the XXXX XXXX XXXX XXXX, MD closed due to XXXX. The job loss factor only means that I was not able to go to work but the restaurant I worked for was still operating. This was not the case for me in XXXX. 
Second part, the {$1100.00} credit from XXXX XXXX  XXXX was awarded XXXX times ; XXXX first XXXX times did by the Maryland state court. 
XXXX case of second part is, Regarding : XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX The court proceeding for the case named above originally set for XX/XX/XXXX has been canceled. 
Type of Proceeding : MERIT TRIAL Another case of second part is, Regarding : XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX The court is advised that the parties have dismissed this case upon stipulated terms on XX/XX/XXXX, UNDER RULE XXXX ( b ) if an action is settled upon written stipulated terms and dismissed, the action may be reopened at any time upon request of any party to the settlement to enforce the stipulated terms through the entry of judgment or other judgment or other appropriate relief. 
Third part is : This XXXX  XXXX XXXX sent me a notice with a picture of a scale of justice like all summonses from a court with the address of a location for me to go to for mediation. But in fact, after driving for nearly half a day, although the distance was not far, because almost everyone near this location did not know what this address was? Because the reason was when I only saw this as an office of the United States Postal Service ( XXXX ). To find out more, I asked a white American couple who were waiting for their car to be repaired at a XXXX dealership. This couple drove my car and also drove me right to this XXXX location ; and confirmed that it was the location I needed to go to. They refused to drive themselves in my car back to the dealership because they could walk, themselves. 
I then confidently walked in but saw no one who was a judge, only XXXX XXXX  postal workers. I was forced to ask for proof that I had arrived on the right day as someone summoned from an American court. But the customers here were all white Americans who clearly saw the contemptuous attitudes of these XXXX XXXX  postal workers towards me. Immediately, a kind white American woman came over to find out what was going on and to help me wholeheartedly. She told me to follow her car. While I was too confused, I backed up and hit the front of a large American pickup truck. Seeing that there was no damage, since my car is a small XXXX one, I drove after the kind white American woman 's car. But after a while, she realized that she could not help me, so she gave me her business card. After that, I went back to the post office to verify that I had arrived as the notice required. But a XXXX man forced me to be staying here because the police were coming to file a ticket for backing up and hitting that large pickup. I let the insurance company deal with them. 
As for the other woman 's business card, I kept it until yesterday and deleted it after I took a photo of XXXX pages of records of XXXX surgeries for a genetic XXXX that had flared up. My XXXX only flared up after I got XXXX and lived in a difficult mental and physical situation in a very long time of XXXX years, from XXXX XXXX outbreak until XXXX with XXXX times I had XXXX, that affected my credit. 
Until today now I know that the summons with the picture of the scales of justice to summon me to this post office is just a same way for the lawyer to threaten me like another case of second part, I cited above. In fact, at that time, all the people who were sued like me agreed to resolve paying the debt, because they fear entering the court room. Just only me, I insisted to enter the court room even though the lawyer who is suing me told me to abandon the trial. I wish to meet the judge because I was the one who wanted to pay the debt, but I did not pay the debt because I am not able to prevent XXXX from breaking out. If I had been able to prevent XXXX from breaking out, my credit would not have been lost. 
Fourth part is, if I say that the Equifax reports on my credit would be reviewed because there are some of the evidence : An article wrote by XXXX XXXX XXXX, First Vice President and XXXX XXXX, Senior Financial Economist on XX/XX/XXXX that, Government fiscal support protected banks from huge losses during the XXXX crisis Federal relief payments and loans allowed people and businesses to stay current on loan payments, providing banks as much as {$300.00} billion in indirect government support The XXXX pandemic triggered a financial crisis in XX/XX/XXXX that required extraordinary government intervention. Unlike during the financial crisis of XXXX when the government directly bailed out the banksthe banking sector did not receive firm-specific support or a TARP XXXX. 
This contrast between these XXXX government responses was obvious, leading to a new narrative by some banking observers : In the XXXX crisis, banks were the pillars on which the economic rescue stood, rather than beneficiaries of government handouts. XXXX banking analyst summed it up : During a significant shock to the system, the banks kind of were able to be leaned upon to support rather than the area that is being bailed out. It is just fundamentally a different place for them. 
https : XXXX XXXX Ultimately, I only hope that Equifax will review my credit reports for the sole purpose of getting my XXXX XXXX loan approved. My education will not only help me fulfill the wishes of my deceased parents, but it will also help not only me but also others I serve right now and later. 
The proof is that the young girls in the coffee booth at the XXXX XXXX have written on a red envelope which they gave me before XXXX broke out : THE WORLD NEEDS MORE PEOPLE LIKE YOU These XXXX words have satisfied a soon-to-be XXXX graduate like me while helping with my family 's business through a cleaning contract for over a dozen American restaurants. Therefore, I keep this red envelop until my last days. Thus it took me several later months to discover a {$100.00} bill inside it. 
May XXXX bless you all, Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief