Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: IL
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:
I have been disputing with equifax for 2 years now about an account XXXX XXXX XXXX that was paid in full and closed XX/XX/XXXX. XXXX XXXX XXXX keeps reporting current status past due one year after account was closed and now 2 years after account is closed but they show account closed. Equifax will do nothing as they lack common sense to realize an account cant be past due if it in fact was closed 2 years ago and they will do nothing but say its what creditor reported. Give me a break so its ok to report grossly incorrect information? How can equifax report something past due in XX/XX/XXXX when it was paid off in XX/XX/XXXX? They show both on report paid and closed XX/XX/XXXX and current status past due in XX/XX/XXXX. This has been going on for 2 years after Equifax originally removed account from report in XX/XX/XXXX then put back on and never did an investigation after requested numerous times to do one and when they do they put current status XX/XX/XXXX past due and the circus begins. I feel like im dealing with both incompetence at Equifax as this should be seen and corrected but after numerous calls and disputes they say not their problem its creditor that is incompetent which I believe because in XX/XX/XXXX I contacted creditor too and was told to email directly to XXXX which is XXXX XXXX XXXX email so I did. I was told they would take care of and send me a letter through US mail within 5 days. On XX/XX/XXXX I did in fact send an email containing 3 documents to XXXX XXXX XXXX and as of this date XX/XX/XXXX I have never gotten either an email back or US Mail back so I kept on disputing with Equifax to no avail and now XXXX XXXX XXXX has reported paid closed but current status past due XX/XX/XXXX. This has knocked my credit score down 100 points because they are showing current status of a 2 year old closed account as past due instead of paid as agreed as they were paid in full XX/XX/XXXX. Equifax on XX/XX/XXXX states file investigation there is nothing they can do even though they know is wrong they cant do anything. Not just wrong but grossly wrong. Both Equifax and XXXX  XXXX XXXX are negligent. This account should have been corrected by equifax if they were doing a proper investigation but its obvious they dont even investigate just send out a generic electronic questionaire aka XXXX XXXX asking creditor to ok. This is not acceptable. XXXX XXXX XXXX never sees actual dispute I send in but they too are incompetent because they are reporting an account that has been 2 years closed as current status past due instead of paid as agreed. My last resort before filing a legal complaint against Equifax and XXXX XXXX XXXX is the CFPB. After which if this isnt corrected immediately a lawsuit will be brought against both as the effect this has on my ability to obtain credit is extraordinary and has effected me both financially and physically as well as psychologically as I have been turned down for credit because of and I have numerous hours sending disputes for 2 years calls on phone too and emails sent to correct their errors and they do nothing. This is irresponsible and its companies like this that should be reprimanded and fined. Its ok to make an error thats how you learn to do right the next time but to keep repeating and doing nothing to correct over 2 years is gross negligence. I have everything documented from first dispute to phone call dates and sent emails and am preparing to take this to court. Im not disputing anymore nor making phone calls or emails. Now I will seek damages if this account isnt either corrected to show current status as paid as agreed or removed. I am attaching current Equifax report page showing the stupidity of both Equifax as well as XXXX XXXX XXXX. Pay attention to the history and current status as you will see the history chart shows XX/XX/XXXX past due 120 days but nothing late prior to XX/XX/XXXX this is funny so I guess not only 2 years after closed and paid items can be late but now a month must consist of 120 days. Current status shows 120 days late. How can it currently be late if closed 2 years ago. XXXX we have a big problem. 
This account was removed once in XX/XX/XXXX I suggest either XXXX XXXX XXXX remove account from my Equifax report or correct to reflect current status as paid as agreed and remove the past due 120 days in the history on XX/XX/XXXX. 
Because of damage caused over 2 years but mostly the last year of both Equifax and XXXX XXXX XXXX and CFPB can note this item has been disputed previously with them.but with equifax and nothing has been done to correct that correcting this item doesn not in effect stop any legal procedure from taking place for the current and past time this has effected my ability to get credit. Equifax and XXXX XXXX XXXX are still liable should I decide to take legal action against them for the time prior to them correcting if they so choose to do which might save them some grief as it is very clear and documented the gross mistake made and anyone with an IQ of above 2 can see this mistake aka error. I expect this correction or removal be done promptly as the clock is ticking and Ive spent enough time being polite and trying to fix this without having to take legal action.Maybe the only thing these companies understand is legal action and it might take a several hundred thousand dollar law suit to wake them up.

Company response to consumer: Closed with explanation