Consumer complaint received 2018-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX i filed an original complaint on XXXX  XXXX XXXX as well as Equifax for erroneous account information listed on my credi report. The account number for the XXXX account is XXXX. XXXX XXXX XXXX researched the information and based on the items, documents i provided, were able to correct the negative information found on my credit reports. However on XX/XX/XXXX the negative reporting of the XXXX  XXXX XXXX Account ending in XXXX was re-inserted and even shows a balance owed of {$35000.00}. XXXX  XXXX XXXX had previously responded to me as well as CFPB this information : Company 's Response During our recent conversation on XX/XX/XXXX, we discussed the auto loan ending in XXXX. We confirmed that based on your recent inquiry, an adjustment was submitted on XX/XX/XXXX, to report your account as a discharged bankruptcy account with a XXXX  balance with Equifax. In addition, derogatory history after XX/XX/XXXX was also removed. The corresponding notice was sent to the address on file on XX/XX/XXXX. We also confirmed that it may take up to 90 days for the consumer reporting agencies to make the adjustment and update their records. However, if your consumer report remains unchanged after 90 days, you can contact Equifax directly, and provide them with a copy of the letter dated XX/XX/XXXX. We followed up with you on XX/XX/XXXX, and during our telephone conversation, you confirm that the letter dated XX/XX/XXXX, had not arrived. Therefore, we would send a copy of the letter to the address on file by XXXX. 

This is proof that they had saw the error, and claimed to have corrected the error. The problem was realized again on XX/XX/XXXX when i got an alert via my credit monitoring with the credit bureaus that showed my credit score dropping from a score of XXXX XX/XX/XXXX to a score of XXXX on XX/XX/XXXX, XXXX points! Not only did the score drop, but the balance went from {$0.00} to {$35000.00} and the negative history that was erased dating back to XX/XX/XXXX, was reinserted, along with a status of the account of past due, and " charge-off ''. This needs to be corrected IMMEDIATELY not 90 days, as I am supplying proof from XXXX, along with original XXXX  XXXX XXXX response. The previous complaint number to CFPB is XXXX for XXXX  XXXX XXXX and the complaint number to CFPB for Equifax is XXXX. This is a FCRA violation and based on the law : If you can show that the credit reporting agency ( CRA ), information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ). Clearly a drop in score of 125 points has harmed me, and the fact that the negative information was disputed and corrected, to yet go on a month later and be re-inserted again, has further harmed me.

Company response to consumer: Closed with non-monetary relief