Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX I contacted the XXXX XXXX XXXX  about several collection accounts I have on my credit profile. The following collection accounts were present : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. The total amounts of all collections combined was {$1300.00}. I negotiated the debt with them and they agreed to remove half of the interest charges, bringing the new total amount owed to XXXX. I PAID THE NEW TOTAL IN FULL!!! I paid with my debit card and have two types of proof of the payment : XXXX XXXX XXXX gave me a confirmation code ( Confirmation code # XXXX dated XX/XX/XXXX ) and my bank statement reflects the debit from my checking account. 
On XX/XX/XXXX I called XXXX XXXX XXXX  to follow up on the payment, and they confirmed that the debt was paid in full, and that they had reported it to Equifax as being paid in full. We were told it takes 30 days to remove and it will be removed by XXXX/XXXX/XXXX. 
On XX/XX/XXXX we checked my credit profile. Four of the accounts were still erroneously on my credit profile, despite ALL of the accounts having been PAID IN FULL. I called XXXX XXXX XXXX  about it and they responded saying it was all on Equifax at this point. XXXX had already contacted Equifax four separate times ( according to XXXX ) reporting the debt was paid in full. At this point XXXX had fulfilled their obligation to report the debt as paid to Equifax. However Equifax never removed the collections from my credit profile. 
On XX/XX/XXXX I applied for home loan. I was absolutely shocked to find out that Equifax STILL HAS NOT REMOVED THE COLLECTIONS FROM MY CREDIT PROFILE!!! I had to write a letter of explanation to lenders explaining why I had so many collections. THIS IS EXTREMELY HARMFUL TO ME AND MY LIFE!!! 
On this same day, XX/XX/XXXX, I called Equifax for an explanation. I spoke with their representative named XXXX ( employee ID # XXXX ) at XXXX PST. This is arguably the most inept, untrained, unknowledgeable, person I have ever spoke to one the phone ( and I've dealt with quite a few in my 46 years of living ). He afforded XXXX assistance and questioned me repeatedly about matters not concerning why I had called. He gave me the complete runaround!!! 
I asked repeatedly to identify his supervisor and he trued to talk over me, would not listen to me ( I am a female and he seemed very offended that I would have the nerve to talk back to him!!! ) and he repeatedly cut me off! My husband eventually lost his temper with XXXX and his choice of words and demeanor towards me my husband and confronted him. He yelled at my husband, and we eventually hung up the phone, completely exasperated with this inept and rude representative from Equifax. 
Equifax is violating for Fair Credit Reporting Act of 1970 and it is doing so BLATANTLY! This needs to stop and Equifax needs to be admonished for violating the Fair Credit Reporting Act. They have to obey the law, just like everyone else in this world.

Company response to consumer: Closed with explanation