Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hi, Despite an email from XXXX XXXX XXXX on Monday, XX/XX/XXXX stating they would remove the negative marks, and me filing a dispute with all three credit unions that resulted in the temporary removal of the negative marks for a few days. XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX has added back the Equifax 60 day late notice to my credit after removing the negative mark and agreeing via both my dispute with Equifax and the email sent confirming the error. Please investigate, as I have put in several complaints and since that time what has been reported by XXXX XXXX has continued to change several times, from XX/XX/XXXX, to XXXX XXXX, then back to XX/XX/XXXX, then completely removed and not placed back on my credit report as 60 days late for Equifax again for XX/XX/XXXX that has appeared on my credit today. Please note the dates and the negative mark appearing once again on my credit today, thank you. More details are below. 

I have been distributing a transaction since XX/XX/XXXX. I am writing this complaint as I have reached out to XXXX XXXX XXXX XXXX directly and spoken to XXXX XXXX an Expediated Analyst who shared he would fix this problem after I emailed the corporate email address for investors, after the issue with the incorrect 30 day late mark for XX/XX/XXXX was placed on my credit. 

I have both disputed the 30 day and 60 day late marks shown on my credit for XX/XX/XXXX and XXXX XXXX multiple times with XXXX XXXX customer service and speaking to XXXX XXXX. Most recently I filed disputes with all three credit Bueras on to dispute the XXXX XXXX and XXXX and 60-day Equifax late payment as XXXX have never been 30 or 60 days late with my payments. Yet, this morning I was alerted by XXXX that the negative mark that was removed after my dispute has been added back to Equifax at 60 days late. I have submitted several documents showing I made my minimum payment online XX/XX/XXXX, and have spoken to several customer service representatives, level 2 managers, and level three managers. Yet, even with the detailed notes taken, and assurance from both XXXX XXXX the negative marks have been put on my account for several months since XXXX, and beginning in XX/XX/XXXX taken off and then put back onto my credit report. Thus, no matter how many times I have called, the disputes I have made XXXX continues to report inaccurately and add back this negative mark on my credit even after removing the negative mark and the investigation of agreeing to remove the marks with the credit unions but adding it back. This is severe negligence, that has impacted my credit severely with drastic point drops and stress on my current XXXX XXXX as I have been dealing with this since I learned I was XXXX XXXX XX/XX/XXXX and now, currently XX/XX/XXXX finding out that XXXX has again reported me 60 days late after an investigation and them agreeing to remove the mark, they have places that XX/XX/XXXX XXXX back on my credit - in addition to our home buying plans and the closing of one of my {$6000.00} credit cards that I have had for years. It takes time to upload all the documents. So I hope my precious statements and the look at the new documents from today showing that mark readded will be evaluated and XXXX and XXXX reinvestigated for the negligence they continue to show. Please excuse the grammar as I am a mom of a toddler who I am trying to get ready for the morning in the midst of this negative credit remark.

Company response to consumer: Closed with explanation