Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have spent over XXXX total hours of phone time, 1 hour of travel time, faxing VALID documentation on a debt which needed to be DELETED from my credit file, per the request of Equifax 's supervisors. I 'm in the middle of underwriting for a home mortgage and had a debt appear on my report, which was an ERROR on behalf of XXXX. 

XXXX submitted their error and request to have it DELETED from my report, TO ALL XXXX credit agencies, Control Number XXXX on XXXX XXXX at XXXX XXXX CST. ALL CREDIT AGENCIES need to delete it from their reporting. However, I need the reporting expedited due to the fact my underwriting is happening NOW. Transunion and Experian took care of the matter within 24 hours of notification. They were both very customer friendly and understood the urgency of my request. They appeared to care about my situation and knew it was n't something I should have experienced. 

I spent hours working a circle with XXXX, their internal collections agency, and then back to XXXX. I received a letter for my lender advising this was XXXX 's error. Equifax told me to fax them the letter at XXXX. I did this at XXXX XXXX. Equifax also received the info at the same time as all other agencies. When I called, after spending an hour on hold and another 30 minutes talking to a " Supervisor, '' Equifax was completely noncompliant. They would not help me. When I asked to talk to another manager, I was told I could not. 

Every hour I spend taking care of an issue on my credit report, which should never have appeared on it in the first place, has cost me time and money. I '' m XXXX. If I 'm not in front of a client, I 'm not selling. If I do n't get this removed from my report, I lose this house, I lose {$4200.00} in earnest money, there are several people impacted from an emotional and financial situation and all because Equifax wo n't delete the erroneous information and they 've received PROPER AND PROMPT documentation. 

I should n't have to go through all these hoops, to have something deleted ... all due to an error by a company. Why is Equifax doing this and making it so difficult, when the XXXX and XXXX can do it -- with the SAME DOCUMENTATION, and they understood the urgency? Why should a consumer have such a difficult time to remove something which is n't their fault, all because a company willingly chooses to be NON COMPLIANT? 

I can not spend anymore time on the phone fighting for Equifax to DELETE XXXX from my report, this report directly impacts my credit SCORE, and I need someone to fight for my rights as a consumer. This is absurd, when I 'm doing all the right things and this situation was a billing ERROR on the part of XXXX. Equifax 's experience is leaving me emotionally, mentally, and physically distressed -- -over an ERROR. Please help. 

The letter from XXXX is attached. All I asked of each agency is to DELETE it so my lender will write the loan. Its not that difficult.

Company response to consumer: Closed with explanation