Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX I sent Equifax a request to reinvestigate several items on my credit report. 

In response I received the attached report from them ( Credit File : XXXX XXXX, XXXX, Confirmation # XXXX ), which does not correct the incorrect information for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. 

The specific information that I asked them to correct includes the following : XXXX XXXX XXXX XXXX : My loan is listed as CLOSED, which it is not. 
Reported Balance is listed as {$0.00}, which it is not. The current balance as of XXXX/XXXX/XXXX was {$130000.00} ( see attached statement ). 
Under Account Status, it states that my loan was included in Chapter 13. I filed for Chapter 13 bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The Chapter 13 Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Status on this credit report. 
The Payment History ends in XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XX/XX/XXXX and I am ahead of schedule in my payments. 
Under Account Details, it states that my last payment was on XX/XX/XXXX, which, again, is erroneous. My last payment was recorded on XX/XX/XXXX for {$1100.00} On page 42, it states that Delinquency First Reported on XXXX XXXX, XXXX. I was not delinquent at that time. With a couple of exceptions, I have paid this loan every month, on time, since I filed for bankruptcy and I am currently ahead of schedule in my payments. 
Under Details it also lists Date of First Delinquency as XX/XX/XXXX, which is incorrect. 
Under Comments, it lists Bankruptcy chapter 13 and Bankruptcy completed, which, once again, should not be referenced on this report, since this loan was not included in the bankruptcy. 

XXXX XXXX XXXX XXXX My loan is listed as CLOSED, which it is not. 
Under Account Status it states : Included in Chapter 13. As stated above, I filed for Chapter 13 Bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The Chapter 13 Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. Again, this loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Account Status on this credit report. 
There is no Payment History, which is incorrect. I have made payments from XXXX, XXXX to the present time and I am currently up-to-date. The current balance as of XX/XX/XXXX was {$21000.00} ( see attached statement ). 
Under Account Details, it states the Date of last payment was XXXX XXXX, XXXX, which, as stated above, is incorrect. I made a payment of {$400.00} on XX/XX/XXXX. 
Under Delinquency First Reported it states : XXXX XXXX, XXXX. I was not delinquent on XX/XX/XXXX and I am currently up-to-date. 
Under Date of First Delinquency it states : XXXX XXXX, XXXX. Again, I was not delinquent on XX/XX/XXXX and I am currently up-to-date. 
Under Comments it states : Bankruptcy chapter 13, Bankruptcy completed. Since this loan was not included in my bankruptcy, there should be no mention of it in this section. 

On XX/XX/XXXX, I sent another letter to Equifax pointing out these incorrect items, and asking them to reinvestigate once again ( see attached ).

Company response to consumer: Closed with explanation