Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I submitted an online dispute to Equifax for an old Dept of Education/XXXX student loan in regards to late pays in XXXX. The investigation is still not complete but on XX/XX/XXXX Equifax updated the account and added a XX/XX/XXXX late pay for 90 days delinquent to the account. The account has been closed with a XXXX balance since XX/XX/XXXX. I was alerted by my credit report subscription, XXXX. I pulled the individual bureau and confirmed it was Equifax. I pulled XXXX  and XXXX   and the 90 day late in XX/XX/XXXX is not reporting ; only with Equifax. I have made 5 calls to Equifax and been on the line 1-2 hours. Most of the representatives were rude, dismissive, and told me to go back to XXXX for assistance. One of the agents refused to let me speak to a supervisor and sat on the line as a standoff for an hour and then abruptly hung up on me. Before the hang up he kept repeating over and over again that he put in a dispute for me, I have to wait 30 days. Please note the account had already been in dispute for over 30 days and during the reinvestigation, an Equifax employee added the XX/XX/XXXX late pays to the old account. .Several of the representatives just talked over me and wouldn't listen at all. One told me that it shouldn't affect my ability to get a mortgage. I would be approved anyway. I was shocked they would be that reckless and tell me that I would not be impacted just to make me get off the phone. I am also a XXXX XXXX XXXX and have been so for the past 23 years so I know the information she provided was completely false. One of them finally let me speak to their supervisor and she did not listen at all. She kept repeating that I need to take it up with the creditor ; that Equifax only collects information ; they have no ability whatsoever to make the corrections on their end which was a dishonest answer since Equifax added the late pays to begin with. I was able twice to get through to two other supervisors on two separate calls that understood my situation and they stated that they resolved the issue and deleted the XX/XX/XXXX late pays. On the first supposed resolution, I checked again 24 hours later and the 90 day late was still showing. On the 2nd resolution I waited 24 hours until I got a notification from XXXX. I pulled a new Equifax and instead of removing the late pays, it now shows XX/XX/XXXX with a 120 day delinquency. I called XXXX and they sent me a letter and also told me on the phone, they only report on active accounts. They have not reported on my account since XXXX of XXXX. I am calling Equifax again but I do not believe I will get relief. I can file a claim in small claims court in my county but they are closed until XX/XX/XXXX for shelter in place. I have an active contract on a home purchase and can not move forward with a mortgage application until this is fixed. The recent late pays will get me denied. I may be able to get a manual underwrite but even if approved, will pay an interest rate on B/C credit. Unfortunately, Equifax is my mid score so that is the score to be picked up by mortgage pricing. My score dropped 44 points after the erroneous late pay was added.

Company response to consumer: Closed with explanation