Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: CO
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:
Because there are a lot of supporting documents that include letters explaining the situation, I will be keeping this initial complaint description brief. I have been making payments to XXXX XXXX for a loan that was taken out in XXXX. Since Covid-19 began, XXXX XXXX approved of a couple deferments on payments as well as lowered payments for XXXX and XX/XX/XXXX. Due to a banking error, my payment for XXXX was returned and XXXX XXXX made no attempt to put it back through. This resulted in XXXX being considered " late '', so XXXX XXXX said the payment plan contract was broken. The day that I discovered my payment was returned to XXXX XXXX, I reached out to them through email and I was told to resolve the issue over the phone. However there was no resolution to the issue. I decided to make another payment for the lowered amount that was due for XXXX. The XXXX XXXX representative hung up on me after refusing to take my payment. I called again to make that payment and again I received resistance to my payment being made, but I was eventually able to make them accept the payment. At the time the payment was made, I was unaware, and never told by XXXX XXXX, that my deferred payment for the month of XXXX, due and deferred before my lowered payment plan took effect, was reversed and due for payment. So my payment intended for XXXX went towards XXXX, luckily XXXX is not considered 30 days late because of this. But XXXX should not be linked to the payment plan contract anyways. According to my contract with XXXX XXXX, the account " will be reported as past-due dating from the date you failed to make the first full regular monthly payment after you enrolled in the Program. '' With XXXX being a partial payment as granted by XXXX XXXX XXXX payment plan, XXXX would be the first " failed '' monthly payment. That would not be XXXX because the due date and deferment were both before I enrolled in the program. Because XXXX XXXX deferment was wrongfully reversed, my payment intended for XXXX went towards XXXX. Had my payment went towards XXXX like it was supposed to, then XXXX would not have been considered 30 days late for the same reason that XXXX was not reported. I also made a large payment on XX/XX/XXXX before XXXX XXXX payment would be considered 30 days late. On XX/XX/XXXX I paid everything that was considered by XXXX XXXX to be past due, yet they still are reporting me late for XXXX. I have disputed this with XXXX and XXXX and both have denied my dispute. I can not dispute this on Equifax because they have my account locked despite multiple submissions of the correct identity documentation that they are requesting. This Equifax issue is something I would also like fixed. I have even tried going through the XXXX XXXX XXXX to resolve this issue with XXXX XXXX but this did nothing. And including the incorrect information already mentioned, XXXX XXXX is reporting even more incorrect information to the credit bureaus. In addition they are also deferring from what they are contractually bound to do for a " late '' payment during the payment plan, that being the inclusion of XXXX in the payment plan. There are plenty of other issues that I have with XXXX XXXX that are brought up in the letters I have previously sent to XXXX XXXX and the XXXX XXXX XXXX, these are attached, and I would like for all of them to be investigated and addressed.

Company response to consumer: Closed with explanation