Consumer complaint received 2025-12-23 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: MA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXX and XXXX Non-Delivery of Services, Misrepresentation, Improper Billing, Unethical Conduct, and Negative Credit Reporting To Whom It May Concern, I am filing this complaint regarding the conduct of : - XXXX XXXX XXXX XXXX ( financing company XXXX XXXX XXXX, owned by XXXX XXXX ( service provider ) Summary of the Issue I financed a {$1900.00} package through XXXX XXXX for 15 post-op massage sessions. XXXX delivered only six ( 6 ) of the sessions and then became unresponsive and stopped providing services entirely. 

Service Mislabeling and Commingling of Records The service provider created confusion in the records by switching labels starting after XX/XX/XXXX, after my first four ( 4 ) post-op sessions. Instead of consistently labeling sessions under the post-op massage tag ( the service tied to the financed package ), she began using the tag XXXX XXXX  massage. 



This resulted in : Session records from the financed package being mixed with older prepaid packages Unclear tracking of which sessions belonged to which payment source Inconsistent labeling that appeared to hide the fact that only XXXX of the XXXX financed sessions were delivered I had to maintain my own tracking system to confirm the accurate count of sessions. 

This conduct indicates misrepresentation and improper recordkeeping by XXXX. 

Unethical Conduct Borrowing Money From Me In XX/XX/XXXX, the owner, XXXX XXXX, contacted me privately and asked to borrow approximately {$3000.00}. 
She stated she needed the money to pay overdue electricity bills or her business would shut down. 
This was highly inappropriate, as I was a paying customer. 
I declined her request, but shortly afterward : Appointments ceased Communication ended Her business appeared to shut down Services stopped entirely I have documented evidence of this conversation, which strongly supports : Financial instability Unethical conduct A pattern consistent with consumers unable to receive prepaid services This evidence reinforces the seriousness of the non-delivery issues. 

Financial Impact - Total financed amount : {$1900.00} - Monthly payments : {$85.00} - Number of payments made : 11 - Total paid : {$930.00} Value of services actually received : 6 {$120.00} = {$760.00} Overpayment : {$170.00} XXXX XXXX Improper Response XXXX XXXX responded to XXXX  of XXXX stating only that I authorized the transaction. 
This response ignores : Non-delivery Partial service Misrepresentation Altered records Billing error rights under federal law Authorization does not obligate a consumer to pay for services not delivered. 

Credit Reporting Harm XXXX XXXX reported this account as delinquent despite : Active dispute Non-delivery Overpayment Violations of consumer protection laws This reporting is inaccurate, harmful, and unlawful under the FCRA. 

Requested Resolution I respectfully request : 1. Refund of {$170.00} for overpayment 2. Removal of negative credit reporting 3. Investigation into XXXX and its owner for misrepresentation and unethical conduct 4. Investigation into XXXX XXXX billing, dispute handling, and reporting practices 5. Direction for XXXX XXXX to correct all reporting and issue a refund in accordance with federal law I can provide : XXXX Text messages from XXXX that 15 sessions of post op care is for {$1900.00} Evidence of mislabeled sessions Proof of only six sessions delivered Documentation of the {$3000.00} borrowing request Public reviews indicating similar issues XXXX XXXX XXXX Confirmation text message on my purchase with Knotaway amounting to {$1900.00} with contact reference XXXX Purchase agreement detailing contract signed date, monthly payment of {$85.00} with contact reference XXXX Loan Agreement Payments records Thank you for your attention. I await confirmation and next steps. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief