Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: TX
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:
I have tried several attempts to go through the process of disputing erroneous information on my personal credit report to no avail. In fact, on one occasion, I actually had a XXXX  customer service representative simply hang up my call to them while trying to explain the issue with a creditor that I know for sure is reporting accurate information to XXXX   and XXXX, out of sheer laziness and incompetence refused to do the work to resolve. As a result of me and my spouse not getting this resolved, I am registering a formal complaint to the Consumer Financial Protection Bureau online as well as in written format. 
I am writing to dispute the following information in my file. I have highlighted and marked up the attached documents from my file so that you can contact the creditors below for immediate correction. 
1. Item # 1 XXXX Credit Bureau a ) Creditor : XXXX XXXX b ) Type of Loan : Automobile a. Issue # 1 : XXXX  should be reporting two  accounts from XXXX ( 1 ) account should report as paid in full and ( 2 ) is the one that is reporting inaccurately. The account number on XXXX  is reported as XXXX when is should be reported as account number XXXX. ( 3 ) XXXX  should NOT be reporting either of these accounts as charged off accounts, but payments made on time every month since XXXX of XXXX. Contact XXXX and see attached payment history. This is a mediocre error that should have been corrected weeks ago. PLEASE CORRECT AS CURRENT! 
b. Issue # 2 : XXXX  is reporting inaccurate account payment details regarding my auto loan. This contract was executed XXXX of XXXX, however XXXX  is reporting being late 30/60/90 days from XXXX, XXXX, and XXXX respectively and a charge off from XXXX to current. See attached payment schedule and payment history. This account has an exceptional payment history, starting with XX/XX/XXXX payment to current. XXXX is not showing my exceptional payment history per what is showing in my online account payment history. Please correct and update the report. 
2. Item # 2 - XXXX  Credit Bureau a. Creditor : XXXX  XXXX XXXX b. Type of Loan : Credit Card c. Issue # 3 : This account was removed by XXXX  XXXX XXXX in XXXX - The normal 7 year period has exhausted and should have been removed by XXXX. 
3. Item # 3 - XXXX  Credit Bureau a. Creditor : XXXXXXXX XXXX b. Loan Type : Auto c. Issue # 4. This account has been paid in full as agreed without any late payments. Account was paid off early two years ago. 
4. Item # 4 - XXXX  Credit Bureau a. Creditor XXXX b. Loan Type : Unknown c. Issue # 5 : This is on my report twice - Please note this is the same account that is showing with the one below. The {$340.00} amount is not my account and belongs to a relative. See my 609 Letter Request Attached. 
5. Item # 5 XXXX  Credit Bureau a. Creditor : XXXX XXXX XXXX??? 
b. Loan Type : Unknown c. Issue # 6 : See 609 request letter. Not my account and requesting additional details to validate my account. 
6. Issue # 6 XXXX  Credit Bureau a. Creditor XXXX XXXX University b. Loan Type : Education/Student c. Issue # 7 - See 609 request letter. Not my account and requesting additional details to validate my account. 
7. Issue # 7 XXXX  Credit Bureau a. Creditor : XXXX XXXX b. Loan Type : PAYDAY LOAN c. Issue # 8 - See 609 request letter. Not my account and requesting additional details to validate my account I am requesting that the items be corrected and/or removed to reflect accurate XXXX  credit bureau reporting. 
Enclosed are copies of XXXX XXXX Payment Records supporting my position on my automobile loans. Please reinvestigate these matters and [ delete or correct ] the disputed item [ s ] as soon as possible. 
Sincerely, Your name Enclosures : XXXX XXXX Payment History and Most Recent Payment Transaction Verifying exceptional payment history since XX/XX/XXXX. 
Cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation