Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX previously known as XXXX, mistakenly closed my account with them. I noticed my credit score drop significantly across all three bureaus and tried to get to the bottom of it. A supervisor from XXXX had to review the phone call from when the representative had closed my account, and after struggling to get them to actually review it, they finally did, and reinstated the account as it was never meant to be closed. All three bureaus I believe the show record of this account on file, however, XXXX XXXX does not show any activity from it linked to those credit bureaus. My score with Equifax specifically did not recover, compared to the other XXXX which have. When checking the Equifax website and my account, they show no record of it as an open account. However, the credit report they sent to me via mail does. Over the last few months Ive been trying to rectify this and my score has gone up XXXX points, but it is still significantly below the other XXXX bureaus. 

When I spoke to Equifax regarding another drop, I was told it was due to delinquency in payment between XXXX and XXXX of my capital XXXX credit card. However, I opened the card in XXXX and there was no payment due on it until XXXX, which was paid for on time. 

XXXX XXXX, showing the exact same information between all three when it comes to actions ( payments and balances ), shows that my credit score has raised again with the other XXXX and gone down with Equifax for actions that show the exact same between all three bureaus. Specifically utilization, and payments towards the credit balance owed. Nothing in my credit history since one missed payment in 2022 should be causing me to have any significant loss in my credit score over the last year. Ive been working diligently since the end of XXXX to repair my credit as I have graduated from school and wanted to start my own business which requires a business loan and can only be acquired after hitting a minimum of XXXX for my credit score. This all happened when it was just within reach and as a result, my plans have essentially been put on hold indefinitely. I am aware that there can be a difference between all three credit bureaus with that score, however, given the situation, the history with them, and the difference being significant instead of the normal differing amount I feel there is some issue that is not being properly investigated and rectified. I havent missed a payment, in fact, Ive paid off more than the minimum, and have decent credit utilization. My score should be going up, not down. I am unable to apply for my business loans, or a car loan or anything in fear of rejection because of Equifax consistently relaying a score that I believe to be inaccurately calculated. Im not sure if this has to do with the information that theyre receiving, or the way their system is interpreting it, however, a XXXX point discrepancy between them and the other XXXX bureaus is not something I would consider normal or OK. Especially when Im getting penalized for actions that I should be, like making payments on time. 

As a sidenote, I called into Equifax multiple times as I was unable to access my account. Did all of the troubleshooting and had my case escalated multiple times as well. I only today regained my access to it. In the meantime, they were only able to service me by phone. They sent me the requested copy of my credit report however they did not send me anything confirming the information that they had been receiving from the credit card companies I utilize regarding the issue with opening/closing the XXXX account, nor how those reports they received from the credit card companies were being interpreted based on each action. 

Ive also been keeping track of my score based on their reporting dates. Please refer to the attachment of the screen cap on my XXXX document, reflecting those scores and the corresponding dates. Ive also attached screen caps of the activity and point changes across the different bars. If you look at XXXX, based on everything, I know about the credit system and how it works, it does not reflect an increase whereas the others do appropriately.

Company response to consumer: Closed with explanation