Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: SC
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:
Complaint is with XXXX XXXX XXXX. I leased a car and made all lease payments with last one on XXXX. XXXX XXXX XXXX reported this to Equifax with a report date of XXXX. This report date remained on my credit report with no balance due and no past due balance until XXXX when XXXX XXXX XXXX decided to enter a balance due and past due balance of {$3000.00} with no explanation. From XXXX to XXXX information on my credit report provided by XXXX XXXX XXXX varied often with misleading and confusing data. On XXXX the balance due and past due was removed from my credit report. But on XXXX the balance due and past due showed up again as reported by XXXX XXXX XXXX. Evidently the balance due became delinquent on XXXX which started the 7.5 year time clock for removing negative information from this account. From XXXX I had no contact with XXXX XXXX XXXX until I discovered what they had done to my account. That was about 5 years. And I currently continue to have no account contact with XXXX XXXX XXXX. My interaction with XXXX XXXX XXXX ended on XXXX. XXXX XXXX XXXX has reported about 3 times monthly since XXXX showing inaccurate and constantly changing information. My question is how can a closed and charged off account continue to be reported with account activity when there is no activity taking place? Something is very wrong with this and XXXX XXXX XXXX has taken advantage of me and harmed me and my credit report. The data has been manipulated and contrived for the benefit of XXXX XXXX XXXX and not me. They have destroyed my credit that I worked very hard to correct after my divorce in XX/XX/XXXX. I told their representative that I am mentally XXXX and I can prove it. They had no compassion for me or empathy for me. Its discrimination for them to ignore my disputes and not consider what I show to be factual. Equifax has been no help either. I guess since XXXX XXXX XXXX pays Equifax to post this account to my credit report, they are more important than me. They are out to ruin my life with no consideration for what they have done. They claim they entered the balance to charge off the amount due. I was never contacted my anyone that this was taking place. I discovered it on my own. This is re-aging and it's illegal. I spent over {$200.00} putting together a report for a dispute and you got a copy of it. I never got a response from you or XXXX XXXX XXXX. I asked for my file from Equifax and XXXX XXXX XXXX and have never been provided with it. Go back to the complaint I made on XX/XX/XXXX with complaint ID : XXXX and you will find a binder full of information that is enough to put somebody at XXXX in jail and should reprimand Equifax for not properly communicating with me. To me this is harmful, sinful, criminal, and hateful. Depending on the outcome of your investigation, if there is one, I am also going to turn to the State Attorney General 's Office here in South Carolina to seek some help. It's a good thing I'm close friends with my State House of Representative Congressman, XXXX XXXX. He was legislator of the year this year and I'm sure he knows somebody in the Attorney General 's office that can help me. Let 's please avoid that an get an investigation completed and let XXXX XXXX XXXX know that their practices are against the law.

Company response to consumer: Closed with explanation