Consumer complaint received 2019-09-04
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 information incorrect

Complaint:
XX/XX/2019 There are numerous errors on my credit report with Equifax and XXXX XXXX XXXX will not fix them!!!! I have contacted Equifax three times now and their system will not allow me to file a new dispute even though the information they are reporting is inaccurate and therefore slander, Libel and defamation!!! I am a government employee and it is harming my reputation and preventing me from getting a home loan!!! 

XXXX XXXX XXXX who I financed my car through, AND NEVER WILL AGAIN, is reporting numerous inaccuracies and withholding reporting the good credit on me, intentionally!!!! 

I took out my loan in XX/XX/2019 made my first payment on XX/XX/2019 on time, paid XX/XX/2019 on time, paid XX/XX/2019 on time, then in XX/XX/XXXX fell behind 8 days past the 30-day mark due to choosing to switch my banks after 15yrs due to their errors ( XXXX XXXX XXXX ) and so was waiting for my employer the XXXX XXXX XXXX to move my direct deposit which took a month. I paid the late payment as soon as my money was in my account. They are reporting it as 60 days late on my Equifax report, which is incorrect as well, it was not 60 days late, it was 38 days late if that!!! 


At this point, they have not only reported it incorrectly at 60 days late but also reported my actual payment at {$1700.00}, which it is also incorrect this was the late payment plus following months payment that I paid all at one time that month when my actual payment is only {$590.00} mo. Then they intentionally quit updating my credit report to get back at me for being late that one time and did not report my on-time payments going forward for XX/XX/2019 and XX/XX/2019. 

I have made all payments on time except the one and now they have intentionally jacked up all information on my credit report and caused my score to drop 67 pts out of revenge and numerous others have complained of them doing the same them too online!!!! I want this corrected now and have also filed a complaint with the FTC, CFPB and have contacted my lawyer for possible lawsuit!!!!

I also want corrections made to all three credit reports and corrected copies mailed to me and the IL Attorney General within a week of their receipt of my complaint. They have had several months now to fix the errors and have not, this is a direct violation of the FDRA and the IL Attorney General also needs to hold them accountable for this along with the other regulators including the FTC and CFPB who also have the responsibility to do so!!!!! 

I want my account information correct with all three credit bureaus, showing all payments made on time and even the one time that I was late, due to all of the problems they have caused me. I also want my actual payment amount corrected to the truth {$590.00} and corrected copies of all three credit reports mailed to myself and the IL Attorney General within a week of them receiving this complaint!!! I also want the regulators to do their jobs and fine and shut these businesses down for breaking the FCRA and other laws!!!!!! 

Here is a copy of the law I am asking you to enforce in case you have never read it, please do your jobs and enforce the laws! Laws are written to be followed and if not then enforced!!!! 

Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation