Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: TX
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:
To Whom it may concern. 

I have called several times to dispute an account on here. 
The account is XXXX Colorado. There are two accounts that status is reporting incorrectly. They should be listed as included in bankruptcy and not a charge off. I have spoken to XXXX XXXXolorado collections manager. They told me you all are reporting it wrong that it should say included in bankruptcy. I have proof from my mortgage lender that you ( EQUIFAX ) IS REPORTING THE STATUS WRONG. 
XXXX and XXXX are reporting correctly stating included in bankruptcy. EQUIFAX is the only not reflecting that. Now I have attached the following documents. One attachment is in which is a report the mortgage lender pulled yesterday showing that equifax is the only one that the status is wrong. My Ch. XXXX plan attachment shows it was included. 
And the credit from the XXXX XXXXollection accounts wrote me a letter stating equifax is reporting wrong. You all need to update my status for my XXXX  Colorado XXXXredit union acct to reflect included in bankruptcy like the other two bureaus. 
I have had various reps tell me all sorts of conflicting information that does not match and Im not happy with Equifax. I have called alone this year over 7 times and have become frustrated. Again, review documents and update my XXXX account to reflect in bk like everyone else. You are in the wrong for reporting the status wrong when I have actual and factual proof. If any question calls me at XXXX or email me at XXXX. 
thanks so much. Also, the collections manageXXXX from XXXX XXXXolorado XXXX will be writing me through email to tell Equifax ( youll ) are reporting my status wrong on this account and many more. Its this XXXX account and a Page 3 of 3 couple of others that the status is not reporting to reflet included in Ch. Bankruptcy. I need your prompt attention to this matter. 
Have you complained to the business or individual? Yes If Yes, when? XX/XX/2022 What was the business ' or the individual 's response? 
she kept telling me what XXXXr colorado had reported and I told her I know that. I just needed the status updated on those two particular accounts foXXXX XXXX  colorado cu to say they were included in a bk. I'm having to jump through hoops to have this status updated. I wasn't disagreeing with her I was saying all I needed was the acct status updated. I told her I have proof and all. I'm trying to buy a house and this account that was included in my bk is showing as an open credit account/revolving credit. which is false. Equifax is reporting inaccurately. that's what the collections manager told me from that creditor. he told me they report to XXXX and they are to transpose all three to be the same. 
if that's the case as well all of my XXXX bureau reports are inaccurate. just please update my XXXXr colorado XXXX acct to show accordingly/correctly ( WHICH IS THEY WERE INCLUDED IN BANKRUPTCY, as all the supporting documents show please as its hindering me also these two accounts are showing correctly ( included in bk ), on the XXXX and XXXX report Did you sign a contract? No How much did the company/individual originally ask you to pay? {$0.00} How much did you actually pay? {$0.00} Method of Payment Date of Payment Have you contacted another agency or attorney about this complaint? Yes If yes, please list name and address of the agency or attorney? 
i have contacted my attorney for that ch XXXX bk. her name is XXXX XXXX, phone number XXXX XXXX XXXX today XXXX she send me over a matrix of all what was included in my bk and a discharge letter. i have contacted experian as well. my mortage lender XXXX number XXXX. i have been calling around all day trying to get this account status to reflect included in bk. the guy at XXXX XXXXold me that yes, it will say charge off, but still it needs to say included in XXXX What action was taken by this agency or attorney? they just sent the supporting documentation FOR THE XXXX XXXX XXXX ASSOCIATION ACCOUNT ( XXXX ). i have been disputing and disputing with them that i have had a hardship and thats why i couldnt pay. they offered a settlement amount of XXXX but im still having trouble paying due to the hard ship. i did reach out to them via email and phone and just got that settlement. they told me they dont offer paid to deletes. i just need this removed or status account to reflect that this one was in a bankruptcy too

Company response to consumer: Closed with explanation