Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NY
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:
This complaint is regarding XXXX XXXX XXXX credit card and their inaccurate reporting of my account to the credit bureaus. 

I have submitted multiple complaints to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of which have been changed to reflect 60 days late for XX/XX/XXXX, then gone to 30 days late, then gone back to 60 days late. None of the investigations are taking my submitted information and proof of payment into consideration to see this reporting is incorrect. My payments are due on the XXXX of every month. I paid XXXX payment on XX/XX/XXXX. Which was late but not 30 days late. XXXX still reported this to be 30 days late. I sent Equifax proof of my payment date along with proof of my payment from XXXX on the XXXX. 

I have also contacted XXXX credit card on XX/XX/XXXX and spoke with an account manager XXXX, who looked into my account and said ON A RECORDED LINE that the reporting was inaccurate and she was putting notes on the account to have the 60 day late reporting changed and sent to the bureaus as well as waive the late fees on the account. This was on XX/XX/XXXX and she stated that XXXX was to be reporting on the next day on XX/XX/XXXX. She also stated that she didn't know when the bureau will update the information but that XXXX was sending the corrections. I also asked her to send me a hard copy letter stating this information, sash said she was having this letter sent. 

I have waited for the next update of my credit report from Equifax and nothing was changed to reflect the new information. I called XXXX Bank on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX, who again reviewed my account and said she sees where the late fees where waived and a letter was sent but can not see what else was discussed. I asked to have the phone conversation pulled to confirm the conversation snd the promise I was given b XXXX on XX/XX/XXXX. She put me on hold to see if a manger could review the call. After a few minute wait she said she was told that she needed to put in a complaint request to have the call log pulled and reviewed. My complaint # is XXXX and I was told that a manager will call me back within XXXX days. 

I went on my Equifax report again today and it is now again changed to reflect 60 days late for the month of XXXX of XXXX which changed from the previous 30 days late from the last investigation 10 days ago. This is a nightmare and there is no one to get ahold of at Equifax. The phone call just keeps going around and around with no way to get anyone on the phone. XXXX is giving me the run around and at the end of the day it is the consumer who is paying the prove for 7 years. 

Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) XXXX phone conversation log to be pulled for XX/XX/XXXX XXXX complaint request XX/XX/XXXX ( # XXXX )

Company response to consumer: Closed with explanation