Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
A payment was made to prevent delinquency of 30 days by XX/XX/XXXX PER XXXX SUPERVISOR. That payment was made with XXXXXXXX XXXX # XXXX in the amount of {$610.00} on XX/XX/XXXX ( Not including fees for over the phone processing ). All other correspondence was deleted from con # XXXX, XXXX and XXXX by securing that payment. ( which were for payments not completed as scheduled earlier in the month of XXXX ) XXXX XXXX XXXX submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30 day delinquency. This was not correct. I contacted the office XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge company error stating the funds were not in the account on XX/XX/XXXX for INSUFFICIENT FUNDS. I told the agent I would provide proof that the funds were in the bank and there was a bank error. On XX/XX/XXXX - I contacted the banks and collected proof that the hold was due to a signature issue not that the funds were not deposited. The bank decided to hold them. I contacted ACA speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from con # XXXX, XXXX and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement this is a high interest loan ). She refused to acknowledge that the payment set by XXXX for XX/XX/XXXX null and voided prior arrangements. I told her this was the bank error as the monies were on hold. She hung up on me and disconnected the call. I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. I requested a supervisor other than XXXX since she hung up on me. She transferred me to the supervisor XXXX. I called again to speak to another agent that would assist and allow me to provide banking proof. I was put on hold for the supervisor XXXX by XXXX before she hung up on me. The length of the calls started at XXXX. No resolution took place. This needs to be addressed. My customer experience was absolutely unacceptable and the credit reporting due to the circumstances show a lack of ethics. I want my credit report corrected. My only conclusion along with the company ratings leave me with no recourse other than legal and reporting to this platform for resolution. The attached documents support the following events. On XX/XX/XXXXXXXX XXXX  a telephone payment was made with XXXX XXXX  # XXXX XX/XX/XXXX - ACA payment posted to the account XXXX Funding accounts held assets preventing payment to audit a signature deficiency. as IRREGULAR SIG NOT INSUFFICIENT FUNDS On ; XXXX using another account method due to the issue AND HOLD ( ending XXXX ) payment was processed. Addedly, the reason code for the financial hardship was not due to a hurricane. It was due to furlough. This reflects incorrectly on all three credit reports. XXXX As of today, a new alert was made on my ACA accounts for Equifax and XXXX XXXX ACA falsified the loan information and changed the delinquency from 30-60 days. This can be nothing more than harassment and a personal vendetta for filing a formal complaint. 

I will forward this to the necessary parties to take over and address this. I was approved for a two month deferment to prevent any delinquencies. Therefore, there is no delinquency following payment XX/XX/XXXX. Submitted to FTC and attorney 's office

Company response to consumer: Closed with explanation