Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I filed a dispute with Equifax against XXXX XXXX based on a loan document of mine - an amortization schedule I printed from my online account with XXXX XXXX that states a 79-month loan term as opposed to XXXX XXXX XXXX XXXX and credit reporting of a 78-month loan term that was originally a 72-month loan term and extended to a 78-month loan term after XXXX XXXX claimed six payment extensions that were added to the end of my account with one of the six payment extensions accidentally given to me while I claim that seven payment extensions were given to me -that would have given me a 79-month loan term -were granted to me but because XXXX XXXX disputes that seven payment extensions were granted to me- inaccurate credit reporting of negative information on my payment history was reported and as a result sabotaged my credit scores and continues to harm my credit score. Yet, even as XXXX continuously sends out documents claiming that the term of the loan is 78-months, they also produced a document claiming that the loan term is 79-months - of which again- is the amortization schedule I provided to Equifax and even in an online dispute with the CFPB that XXXX did not address the amortization schedule in their reply to that complaint. Equifax has also seemingly ignored the amortization schedule that came from XXXX and not me that clearly states a 79-month loan term- in favor of XXXX 's printout of another document that appears to have been given on XX/XX/XXXX, that claims a 78-month loan term, of which is the resolution of the dispute date given by Equifax. However, I have screenshots of my account as of today where XXXX states my loan is for a 79-month term and was not changed even as XXXX updated the account on XX/XX/XXXX. This is completely unfair to that XXXX can print any letter or create any document in their favor for the 78-month loan term -even as they continue to claim that I have 79-month loan term on my account- and that information is chosen over the documents and evidence of XXXX 's continued reporting on my personal account of a 79-month loan term. This is also even as XXXX has admitted to processing errors on my account that they resolved as what was best for them - even though they previously missed that processing error after claiming to conduct careful reviews of my account for previous disputes over the same inaccurate reporting of late payments on my credit reports and did not find until after I complained about the conflicting numbers of payment extensions that XXXX had given me of which had missed XX/XX/XXXX as one of the payment extensions granted when XXXX claimed it had only given me XXXX payment extension in the year of XXXX for the month of XXXX when I contended and still contend that XXXX XXXX had given me three payment extensions for the year of XXXX.

Company response to consumer: Closed with explanation