Consumer complaint received 2019-10-06
Company: EQUIFAX, INC.
State: NY
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:
Contact Equifax or XXXX XXXX XXXX XXXX for copies of these files that CFPB denied upload : 1. 1 XX/XX/XXXX Equifax credit report # 7741625346.pdf 2. 2 XX/XX/XXXX Equifax dispute resolution # 7246024083.pdf 3. 3 XX/XX/XXXX XXXX Equifax credit report # 8550921357.pdf 4. 4 XX/XX/XXXX XXXX creditReport_9731622837.pdf 5. 5 XX/XX/XXXX CFPB XXXX-XXXX complaint and EQUIFAX 30 day to resolve statement.pdf 6. XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf 7. XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf XXXX the summary factual background of XXXXs participation in Equifax fraud is : 1. The XX/XX/XXXX Equifax credit report, XXXX, reported XXXX XXXX/XXXX as a {$1500.00} collection with limited notice that consumer disputes this account information. 

2. It additionally reported XXXX XXXX XXXX originally XXXX XXXX ) as an {$80.00} collection. 

3. I again reported both collections as FRAUD. Equifax emailed a further investigation XX/XX/XXXX ; investigation # XXXX. 

4. Following the intervention of the NYS Attorney General and CFPB ( Consumer Financial Protection Board ) on XX/XX/XXXX Equifax reported it removed the XXXX XXXX {$80.00} collection as a result of its # XXXX investigation. 

5. Equifax XX/XX/XXXX credit report # XXXX confirmed its removal of the XXXX XXXX {$80.00} collection. 

6. Equifax XX/XX/XXXX credit report # XXXX reported XXXX XXXX XXXX ( originally XXXX XXXX, then the removed # XXXX XXXX XXXX {$80.00} collection ) as an {$81.00} collection. 

7. I applied for loan from my credit union of 18 years of perfect banking and credit history and received email From : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX ( XXXX ), To : XXXX XXXX XXXX, Cc : XXXX XXXX XXXX , XXXX XXXX XXXX, Subject XXXX Follow up : Hello XXXX, So we run your credit report, and your credit score is XXXX. The qualifying score to get the promo rate is XXXX. According to your credit score you will qualify for % 6.25 which is significantly higher than you currently have. Also, we appraised the value of the car and the highest loan amount you can have is $ XXXX. In addition to this you have collection from XXXX for {$81.00}. Please let me know if you have any questions. XXXX XXXX, MSR/ Lending Officer, XXXX XXXX XXXX XXXX , Toll free XXXX, XXXX XXXX x XXXX, XXXX XXXX x XXXX, Fax XXXX or XXXX. 

8. Equifax XX/XX/XXXX credit report # XXXX again, as it did in reports XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX, reports XXXX XXXX XXXX./XXXX XXXX XXXX collection removed. 

In addition, 6 of 7 disputes on the attached ; XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf were disputes reported many times to Equifax since XXXX. 

Attached confirmation # XXXX page 2 in part states : we request that the reporting company verify the accuracy of the information you disputedwe request that they send Equifax a response to your dispute and update their records and systems as necessary Equifax XX/XX/XXXX disputes were reported many times to Equifax since XXXX. 

1. Dispute # 1 in attached XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf status reinvestigation in process. It has respectively been in process for over 800 days and remains reducing my above XX/XX/XXXX XXXX credit score. Please request Equifax email XXXX # 1s response to my dispute. 
2. Dispute # 2 in attached XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf status reinvestigation in process. It has respectively been in process for over 800 days and remains reducing my above XX/XX/XXXX XXXX credit score. Please request Equifax email XXXX # 2s response to my dispute. 
3. Dispute # 3 in attached XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf status reinvestigation in process. Reinvestigation has respectively been in process for over 800 days and remains reducing my above XX/XX/XXXX XXXX credit score. Please request Equifax email XXXX # 3s response to my dispute. 
4. Dispute # 4 in attached XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf status reinvestigation in process. Reinvestigation has respectively been in process for over 800 days and remains reducing my above XX/XX/XXXX XXXX credit score. Please request Equifax email XXXX # 4s response to my dispute. 
5. Dispute # 5 in attached XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf status reinvestigation in process. Reinvestigation has respectively  been in process for over 800 days and remains reducing my above XX/XX/XXXX XXXX credit score. Please request Equifax email XXXX # 5s response to my dispute. 
6. Dispute # 6 in attached XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf status reinvestigation in process. Reinvestigation has respectively been in process for over 800 days and remains reducing my above XX/XX/XXXX XXXX credit score. Please request Equifax email XXXX # 6s response to my dispute. 

# 7 in attached XX/XX/XXXX disputes of XX/XX/XXXX XXXX Equifax Credit Report confirmation # 9270032334.pdf impacted my credit rating/score. To manage Equifaxs evident FRAUD or maybe lesser gross incompetence I will monthly email XXXX XXXX XXXX and/or XXXX and/or XXXX and or Vice President Global Customer Care XXXX XXXX, XXXX my email contact XXXX. Equifax will email monthly verified XXXX any information that it has received that would reduce my credit rating/score and give me 30 days to dispute before it would be reported/released to any party. If disputed the dispute would require resolution before Equifax reported to any party or reduced my credit rating/score. 

This authorizes all parties to discuss with my husband XXXX XXXX Regards : XXXX XXXX

Company response to consumer: Closed with explanation