Consumer complaint received 2025-09-25 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: NC

Complaint narrative:
Credit reporting agencies- I'm writing this to discuss a major issue with my ongoing credit report/fico score. It took me years to finally achieve my goal of scoring over XXXX. 
Which I finally Managed to do in XXXX of 2023. Months later- my score started rapidly declining. Only to find that XXXX had fraudulently placed misinformation on my report to all 3 agencies. It took me over 2 years to finally have it taken off my report. After filing multiple complaints and disputes with each agency-and each agency again and again coming back after these " investigations '' with the same outcome each time I filed- ( which I've now proven had been fraudulent allegations all along ). Despite having received no help Whatsoever from any of the XXXX reporting bureaus after 2 years- XXXX long Years of never being listened to by the bureaus during all these " investigations ''. 
.. I never gave up. 
So finally, I made contact with someone in the head department at XXXX itself- and after speaking with them and sending them the same " proof '' that I sent to the bureau 's, they saw that it had indeed been a mistake all along. Not only I was never in debt to XXXX, but they owed me a big refund - that took XXXX years to finally receive from them. So, the mistake was finally resolved-or so I thought... only for XXXX bureau at a time to delete the collection. I had to repeatedly reach out to XXXX to ask them to reiterate the mistake to each bureau separately- since not all XXXX were taking the collection off my report. 
Having the collection erased from my report took another couple months. So ; now that the collection is finally resolved- im still waiting for my fico score to recover from this ordeal. I will attach what my score was at at the time the collection was put on- and how it it dipped well Over XXXX points during the timeframe. I've had a lot of serious life changes happening the last year or so-and my credit report definitely negatively impacted a lot of Decisions that were made. But there's nothing I can do about that now. But I definitely don't think it would be fair for me to have to wait another 3 years to have my fico score fixed to what it should've been this entire time. Considering that collection never should've been placed to begin with- and my accuracy with my credit itself has remained consistent throughout- maybe even better. I am going to contact each reporting agency- and call around to a few higher ups to see how to fix this asap. I think I have been more than patient and fair about this entire situation so far. So I would deeply appreciate it if each of the credit agencies would give me the same consideration. Especially considering that each of the " investigations '' that I filed With XXXX Equifax and transunion the last 2 years had been repeatedly looked over time and time again. I would appreciate it if this matter was handled with urgency. My fico score never should've been below XXXX. It may have even gained another XXXX points during this time frame- instead of losing XXXX points to misinformation. 
Please take this dispute/ complaint seriously. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation