Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NV
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:
Equifax has done something truly bizarre to me multiple times. My score was XXXX, then in the low XXXX, then in the low XXXX erroneously. They keep deleting almost my entire credit file, and leaving almost only negative accounts on there. My score plummeted XXXX points in 24 hours from this, going from the XXXX to the XXXX. It's obviously a mistake, but it keeps happening. This has had serious consequences in my life. I am in a situation where I am trying to obtain safe housing for my family to get out of a very bad neighborhood. You can't do that when your credit score has been fraudulently trashed. I've been waiting for it to fix itself and it is not. I have also been haggling with Equifax for years over inaccurate, or unfairly reported information. I have uploaded my credit report that I already had downloaded, the site won't allow me to download the free report available online so I had to attach screenshots for you to compare the two. These screenshots were taken today, you can see the alarming difference between the two reports where the vast majority of my information is missing. I am not going to list each item here that is missing because that would be too long for the character limit here. However, I am attaching my previous credit report from a month ago with Equifax and then attaching the current screenshots of my report directly from Equifax ' site today showing that my file has been almost completely deleted out of there system except for two our three derogatory things. Instead, I am going to list the items that normally show up on my report and what I am disputing that I have had no luck with from Equifax and the Creditors. # XXXX. First and foremost, due to my permanent and total XXXX status my student loan servicer has agreed to delete late payment information off of my accounts since I was incapacitated at the time they were due. Unfortunately, there was a mistake. They said I had 17 accounts, Equifax said I had 18 accounts. So when the Creditor deleted late payment information off of 17 accounts there was an 18th account reporting from them that did not get that adjustment. There needs to be an investigation between Equifax and XXXX of whether that account was a duplicate and needs to be deleted, or whether it was missed during the data entry on XXXX 's side when making the adjustments to the new credit reporting information. I contacted XXXX about this issue in writing through the help of the XXXX, but they did not write back to my rebuttle regarding that specific account. I have uploaded the letter here where XXXX said they made the adjustment to remove late payments, but they also said there are only 17 accounts and not 18. So who's mistake is it? 18 report on my credit. # XXXX I have XXXX XXXX credit card accounts ( ending in XXXX, and XXXX ) and an auto loan that are now reporting " disputed customer disagrees '' and that is incorrect. I never disputed those three accounts. I disputed a 60 day late payment, which to my knowledge Equifax has not fixed even after my XXXX  dispute that they refused to answer on account ending in XXXX. I have attached the statement for XXXX evidencing it was not 60 days late to this complaint. # XXXX. My payment history is grossly unfairly reported. Equifax refuses to report on time payment history, and on many accounts has reported zero history or only a late payment. This unfairly changes the percentage of on-time payments for the purpose of calculating my credit score. This needs to be fixed. Positive payment history is missing from the following accounts : XXXX XXXX  XXXX ending in XXXX they are only reporting negative information and not the positive payment history, XXXX XXXX  I opened that account in XXXX and made years worth of positive payments and they are not reporting them there are gaps during years they are reporting payment history where its blank were positives should be but the negatives are showing up, XXXX XXXX  card I opened in XXXX and had years of positive payments that are not reporting they are only reporting when I missed a payment for the last three years it was opened and reporting zero of my on time payments, XXXX ending in XXXX that I opened in XXXX has XXXX of my positive payments reporting, Ally Financial ending in XXXX is only reporting one late payment and zero of all my positive payments for years of on time payments, It is highly unethical to only report negative payment information in the absence of the positive information. XXXX, I had nothing but on time payments with them and none of them are showing up. If they don't have a reliable enough account of my payment history involving on time payments than they have no business reporting late payments if they are so unsure of my payment history. I want the positive payment history reported for these accounts, or to have all negative payments removed and no payment history reported at all. That's the only thing that is fair. I also want Equifax, swiftly, to fix whatever internal error has led to the overnight deletion of my entire credit report involving positive accounts. Finally, I have attached documents to verify my addresses. I have a residential address, two mailing addresses. There should not be any other addresses other than the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX then XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX then XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, NV XXXX. The only phone number that should be reporting anywhere for me that is in working order where I could possibly be reached is XXXX. The only legal variations of my name that have ever been used or ever will be used for extending credit are : XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation