Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had some items on our credit reports that we had been disputing. We came to the point we were finished with the creditors on the disputes, wanted to apply for a mortgage refinancing and knew that the " in dispute '' terminology had to be removed in order for our the loan process to continue. On XX/XX/2018 I contacted Equifax @ XXXX, spoke to XXXX @ XXXX XXXX, to request that any and all items that show " in dispute '' be removed from my accounts as well as my husbands. We gave the representative the information they requested, full name, address, dob & last 4 digits of our SS #. At the end of the call we were given confirmation numbers. We were told it would take 24-72 hours for the terminology/wordage to be removed. On XX/XX/2018 our banker pulled a credit report and the items still remain on both of our credit reports. I made another call to Equifax @ XXXX spoke to XXXX, and went through the entire process of requesting that the terminology/wordage of " in dispute '' " dispute '', anything showing that we are currently in dispute with be removed. Again being told it will take 24-72 hours for the items to be removed. On XX/XX/2018 I called Equifax and spoke to XXXX, he checked both my credit report and my husbands and told me that neither one are showing any creditors in dispute. On XX/XX/2018 I called Equifax again because my banker pulled another credit report and it was still showing items in dispute. After speaking to an XXXX for 45 minutes, being on hold for at least 15 minutes and getting no place with him, I asked to speak to a supervisor. I spoke to XXXX. She stated she will remove all the data info pertaining to disputes and told me it would take place immediately. I told her I was not waiting another 24-72 hours only to find out they can't do their job correctly. I told her this has delayed us in being able to move on with our mortgage application and causing our banker to have to pull our credit report multiple times. She assured me she was taking care of it while she was on the phone with me and that by the next day the credit report would be good to pull. She gave me confirmation # XXXX. She told me that XXXX XXXX did not show anything in dispute. On XX/XX/2018 our banker pulled another credit report and again mine still had items showing in dispute. I called again for the fourth time on XX/XX/2018 spoke to XXXX, she could see that I had one creditor, XXXX XXXX was still showing in dispute. She offered to remove it and then proceeded to tell me it will take 24-72 hours. I told her I wanted to speak to a supervisor, that I want it taken care of today and be able to have my banker pull our credit report tomorrow and it will be off the report. She transferred me to a supervisor, XXXX ( i had a hard time understanding her name ). She removed the dispute and assured me it will be good to go for my banker to pull the report tomorrow. I also had her check XXXX XXXX  and his was good, nothing showing in dispute. 

This process has taken a month, it has wasted our valuable time in getting our mortgage loan application to move forward, It has cost our banker money to pull the credit reports and find that again our requests have not been taken care of. I have had to take time off work each time I make the call since the calls can take up to an hour. 

A consumer should not have to go through this type of treatment.

Company response to consumer: Closed with explanation