Consumer complaint received 2017-05-09
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: Their investigation did not fix an error on your report

Complaint:
I had a loan wit h    XXXX   XXXX   that was paid in full by my insurance companies,  XXXX   XXXX  and   XXXX   XXXX   XXXX  .   XXXX   XXXX   is reporting that I was late 30 days in  XXXX   XXXX , late 60 days in  XXXX   XXXX  and the account was charged off. I contacted  XXXX   XXXX  via  US  mail and directly disputed the information with them ( see attached letter dated  XXXX / XXXX / XXXX  ). I requested to only be contacted via mail. They responded on  XXXX   XXXX ,  XXXX  ( see attached ) claming they needed more information to properly assist me and directed me to contact them via telephone. I did not contact them, as they should not need information from me to substiate their claim that their records are accurate and they are reporting valid information to the credit reporting agencies. I recieved another letter dated  XXXX   XXXX ,  XXXX  from  XXXX   XXXX  claiming they are reporting accurately to the credit reporting agencies, however I did not recieve any of the documentation I requested.  XXXX   XXXX  is misrepresenting this account.     I re-disputed this account directly to  XXXX , Equifax and   XXXX   certified mail return receipts ( see attached letters dated  XXXX   XXXX ,  XXXX  ). I provided copies of the checks from  XXXX   XXXX  dated  XXXX  ( in the amount of {$22000. 00} ) a nd  XXXX  dated  XXXX / XXXX / XXXX  ( in the amount of {$4900.00 } ) wh ich I also attached to this complaint. These are the months  XXXX   XXXX  claims my account wa s 30  and 60 days past due, which is false. They also claim the amount was charged off in  XXXX   XXXX , however they claim the date of last payment was  XXXX   XXXX . How can an account be charged off the following month after recieved approximately  XXXX   XXXX  dollars in a  5 w eek period. My payments were not applied appropriately. The checks from  XXXX   XXXX  or  XXXX  did not specify the funds to be applied in a certain way ( i.e. principal only ), thus my account should have been reported current for the months payments were recieved on my behalf.     I also responded to  XXXX   XXXX  and sent a certified letter with return receipt requesting a complete account summary for the months of  XXXX   XXXX  -  XXXX   XXXX . ( see attached letter dated  XXXX / XXXX / XXXX  ). I have not recieved any response from  XXXX   XXXX , however, they are continuing to report this inaccurate information on my credit reprort.     The credit reporting agencies have concluded their invesigations and determined that  XXXX  is reporting this account accurately, even after I have provided documentation and payment information that proves it is unaccurate. My due process rights are being violated. The credit reporting agencies are not investigating thoroughly, they are just taking  XXXX   XXXX  's word, when  XXXX   XXXX  has not provided any proof or account history that substantiates their claim.     In my disputes I requested the credit reporting agencies to provide me with the name and phone numbers of the individuals at  XXXX   XXXX  who verified this information ( see attached letters dated  XXXX / XXXX / XXXX  ). I have not recieved that information, however the investigations have been concluded. They are being untruthful and unethical. My rights are being violated. This account was not charged off. It is my belief that  XXXX   XXXX  is continuing to report this unverifiable debt. They have not provided payment and account information in either of my requests, however they claim they are reporting accurately. The only thing Equifax updated on my credit report was change the last date of payment from  XXXX   XXXX  toMarch  XXXX . There are numerous reporting errors on this account and  XXXX   XXXX  as well as Equifax,   XXXX   and  XXXX  refuse to update it appropriately and/or delete it.     I have attached all of the documentation ( letters to  XXXX   XXXX ,  XXXX  Equifax,  XXXX , copies of certified mail return receipts, copies of checks from  XXXX   XXXX  and  XXXX , and letters from  XXXX   XXXX   ) t hat was included in my disputes to  XXXX   XXXX ,  XXXX , Equifax, and  XXXX .

Company response to consumer: Closed with explanation