Agency to report Equifax- the problem is not with the statement but with the process they have for the investigation. It is persecutory of the disputee. 

I have had regular of problems with Equifax Credit Report Bureau. They consistently have the wrong information & I have opened several disputes. Initially my mortgage account was listed as closed in my report summary although it showed payments were made. I initiated a dispute and it has led to a yoyo affect on my score. I believe it negatively impacted my ability to get a 'low score no problem ' personal loan. 

My main concern is with the inconsistency of my score. I found out today that when you open a dispute that item is removed from the calculation of your score, so while in the 30day 'investigation ' period your score can be negatively impacted. My score went from a XXXX something to a XXXX something XXXX when my score was in the XXXX 's I applied for a loan & made inquires about refi loans - the score plummeted in the middle of this applications & inquiries XXXX & back to a XXXX something in a month. I believe once my initial dispute was resolved I noticed that my address information on my mortgage account was incorrect, so I opened another dispute which brought my score back down again. 

This is not a fair business practice. One would think that they would maintain consistency with their product ..the 'score ' and make changes to after they have found & corrected the problems. 

Thoughts : Is it fair to be punished for asking that your information be reported correctly? 
Identity theft is a major concern, what about identity assault & battery by a credit bureau? XXXX 
It is an impossible trap. 

I told the credit score analyst that this is not a fair practice, that I think I will report it to the FTC, so knowing them they will change their tune & say that it was never their practice to remove the item from calculation while investigating ( It is like it is done for logistical administrative purposes to keep people from disputing incorrect information ). I have not been able to find my XXXX/XXXX/2015 score of XXXX on the Equifax site, since I sent it in a letter to the dispute department of my bank. 

Pardon my ranting but I feel that I am at the mercy of a large organization. I am at fault for my late payments, but I am at fault for their ineptitude? 

Please help me!! 


Who watches the watchers.