Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I opened a XXXX account to help rebuild my credit. This company offered a credit account of {$300.00} to start, and would increase the limit by offering if you used the additional promotional credit amount they would increase your limit, even though it was predatory, I was desperate to build my credit again. Their products were really junk. Came in a million pieces and needed assembly. The shipping made them even more costly, and they were overpriced, because the only purpose was building credit. I continually used their program constantly incurring thousands in debt over and over to obtain higher and higher limits. In XXXX of XXXX my limit was {$1900.00}. 

Their company closed my account without my consent and re-opened a new account when they changed credit account processors. This greatly affected my credit and all I had worked for to build the account, and now started over with a new tradeline, now opened XX/XX/XXXX. 

I continued to try and build my credit up, and had continually spent thousands to obtain a {$3500.00} credit line. I worked hard to pay off my account so my credit utilization was low and I could have good scores. 

In or around XX/XX/XXXX I purchased more items using my credit account after having the account paid off for an extended period of time. 
I made my payments online as I always have. Using XXXX website, I made my payments using my XXXX XXXX  account. I scheduled the payment normally, but as I input the information the quickpay popped up to the side of my screen. I didnt select quickpay because the default payment method was incorrect, I continued processing my payment normally. 
I made payments on XX/XX/XXXX {$150.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$390.00} ( these are the disputed payments above ) Additional payments made XX/XX/XXXX {$390.00} XX/XX/XXXX {$130.00} On or about XX/XX/XXXX I received a credit alert saying I was 60 days late ( for XX/XX/XXXX ) on XXXX. I was shocked and very upset. I knew I had made all my payments, and was confused, how could this be? 

I had worked super hard to build my credit back up. I had been working to pay off, and down my credit cards because I was trying to obtain a mortgage. I had just raised my scores around XXXX points by paying off/down other credit cards in XXXX and XXXX ( I had just sold a house to get the money to finally pay off everything ). 
I attempted to call XX/XX/XXXX, but it was Sunday, they were closed. 
XX/XX/XXXX I called and spoke to customer service. I told her the alert I received. I asked her why, as I made my payments. She said my payments were returned. I said, thats not possible, I had {$35000.00} in my bank account. I asked her what payment method was used. She looked, and said XXXX XXXX XXXX XXXX. I didnt understand how that was possible. I havent used that account. It literally had {$5.00} in it. I didnt choose that method for payment, I used XXXX just like all my other accounts. At this point, I could only assume their XXXX pop up had changed it during the payment process. I had not selected that. I asked her to help me resolve this error. I asked her to delete the payment methods they had that were no longer valid. She directed me to write a letter disputing it, and gave me the address. I continued to call trying to get anyone to help resolve this, on XX/XX/XXXX ( XXXX minutes ), XX/XX/XXXX ( XXXX minutes ), XX/XX/XXXX ( XXXX minutes, I spoke to a supervisor ), still nobody could help me. They said they dont have anyone in that department, only customer service. 
XX/XX/XXXX I mailed a letter with tracking disputing the late payment ( s ), and explaining what I assumed had happened. ( See attached ) I received a letter dated XX/XX/XXXX back, in response, ( see attached ) just saying my debt was validated. 
Now my credit reports are stating XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX! 
I am so upset. This RUINS my credit! Im in the middle of trying to get a mortgage. I have paid all my accounts on time. I only have this account FOR BUILDING CREDIT. Why would I pay only this account from a bank account I dont use, that has {$5.00} in it, and all my other accounts I have paid from XXXX XXXX! I didnt!!! 
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX. I told them what I was told about the payments going to XXXX  account. I spoke to XXXX XXXX XXXX, email XXXX. She looked into the attempts to process payments which resulted in XXXX NSF charges. The bank was able to reverse all the charges, as I had not authorized any of the payments. 

I am at your mercy. This impacts my entire life. I am a single mom. I am a real estate investor, and buying rental properties is how I earn my income. My credit is everything. Please help me, and also assist others, so this doesnt happen to them too.

Company response to consumer: Closed with non-monetary relief