Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed a dispute with Equifax & XXXX against a collection agency called XXXX collection agency original creditor was XXXX XXXX. I have two accounts with this same creditor, One account is XXXX Account number XXXX and XXXX XXXX account number ending in XXXX. The second account number is XXXX account number XXXX and XXXX XXXXXXXX account number ending in XXXX. I filed a dispute because XXXX XXXX XXXX XXXX negotiated a settlement with them for a lesser amount. I provided Equifax and XXXX with the Settlement letter provided from XXXX directly stating that XXXX account number XXXXXXXX XXXX XXXX number ending in XXXX was originally {$670.00} and they agreed to accept {$310.00} per their letter to XXXX XXXX XXXXXXXX XXXX provided me the settlement letter and I sent over with my dispute that the amount is incorrect on my report and that I have made 3 payments to this date and they are reflecting no payments and the amount owed is incorrect. The same exact thing was done with XXXX account number XXXXXXXX XXXX XXXX  account ending in XXXX. The dispute was made, stating the amount is incorrect and payments are not being reflected on my accounts. Equifax sent me a response back stating the creditor told them they were reporting this correctly despite my documentation I provided. Regardless if they have the amounts incorrect they are not posting my payments which is against the law. I contacted Equifax to find out what the problem is and what documentation is the creditor providing to prove they are reporting correctly. They refused to give me that information so I asked if they actually provided documentation or did they just call them to ask if they were reporting correctly, they refused to give me that information as well. I then proceeded to ask them if the documentation I provided even mattered, and the said NO, it only mattered if the creditor stated they were reporting correctly. I explained that I provided a settlement letter directly from XXXX stating the agreement and it shouldn't matter what they say on the phone that I have it in writing and they are not reporting the correct information. They stated I needed to contact the creditor myself and that they can not do anything to change the report. I asked for a supervisor, they kept me on hold for an hour, the next person stated he was a supervisor named XXXX and he basically told me the same thing and refused to do anything about my report. I asked where they were located and if they were in the United States because everyone I had spoken to had very broken English, and he refused to tell me if they were in the United States, he stated he did not care that I had documentation and that they believed the creditor over me but couldn't and wouldn't tell me if they have documentation to prove they were reporting correctly. I told him it is illegal for them not to be reporting my payments each month and he stated he did not care, and proceeded to talk over me. I then asked for someone over him as I contacted your office They hung up on me multiple times, and on the final call he put me on hold for a supervisor, another long call, the lady came on stated that I have exceeded my hold time and that I would have to call back? Who does that? Especially a company that is handling all our critical, vital credit information? All of this is recorded on their end but I doubt they will provide all of the portions of the call. Regardless they were unprofessional and were not abiding by the law because I have been making payments which were not reflected on the report which they must report every month, and the amounts were incorrect per XXXX 's settlement letter. I have attempted to contact XXXX 10 times today XXXX and left a message at XXXX Central time with the information and nobody has called back. I keep calling and they will not let you hold for a person longer than a few minutes and then XXXX disconnects the phone call. 

Equifax if their call center is not located in the United States we could have some serious security breaches because they have everyone 's social security information and basically everything about everyone, but if they are located in the US then they are extremely unprofessional with the constant hang up 's, stating my hold time has exceeded their acceptable hold time which is ludicrous because is that not what they are here to do is correct our incorrect information which brings me to the fact they basically disregarded my documentation from the collection agency that was written in their ( XXXX ) own words that there is a settlement! What else do I need to do to get my report corrected when I have documentation directly from the collection agency? Equifax does not care about our credit information as they told me on the phone. This is unacceptable from a credit reporting agency and very unprofessional for a company in general regardless. 

Equifax should not be handling people life long information if they are going to be that unprofessional!

Company response to consumer: Closed with non-monetary relief