Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: PR
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:
Last Friday, XX/XX/XXXX, more than 2 months ago already, I was able to qualify for a small loan at XXXX XXXX, a division of XXXX XXXX, here in Puerto Rico, which allowed me to fully update the past due balance of this installment loan I made with XXXX XXXX XXXX XXXX, back in the year XX/XX/XXXX. The amount paid last XX/XX/XXXX, was {$2000.00}. If any of you look at the included documents with this additional complaint made because of this problem, that this Bank is more than aware, the same Bank web site is not reporting as of today, any amount in late charges, or any kind of past due amount for this same loan. But, the reported information at Equifax, shows that there is a past due amount for this loan, of {$8000.00}, which is not true. If you at the C.F.P.B. take a look at the document included here called, " Incorrectly reported by XXXX XXXX past due XX/XX/XXXX 2 ", any of you will see that it shows the current balance, as " Balance XXXX  '' in XXXX of {$10000.00}, and that screen shot is from just minutes ago, at XXXX XXXX. local time, today, XX/XX/XXXX. The same bank web site also shows, the next payment amount as " XXXX XXXX XXXX XXXX ", in XXXX, which is {$260.00}, the regular monthly payment, which is due next XX/XX/XXXX, and this appears right below the {$260.00} amount. Below theXX/XX/XXXX date due date appears the date of last payment, which was XX/XX/XXXX, in XXXX as " XXXX XXXX XXXX XXXX ", so this loan is been paid as agreed by myself, monthly, since I recovered my job lastXX/XX/XXXX, and it also shows the number of late payments as 0, in XXXX as " XXXX XXXX XXXX XXXX XXXX ". It also shows that there are no charges due for delays, it shows XXXX, in XXXX as " XXXX XXXX XXXX XXXX XXXX " so if there are no late payments, no charges due for delays, it simply shows the current balance, the next payment and the date of the previous payment, who can explain why this same loan continues to be reported to Equifax by XXXX XXXX as Past Due by {$8000.00}? What else I have to show to this XXXX XXXX? They have already all the evidence, e-mails, phone calls to the correct people at the Bank, this Bank was also never paid to any collection agency, but always was paid at the same XXXX XXXX and its local branches, so why they still report it as past due to Equifax, damaging unfairly my credit report? There is no justification for this. Why this loan is not reported as Pays as Agreed to Equifax, because that is what it is more than 2 months ago, because there are no past due balances, and no charges due for delays either? Please see the enclosed evidence, including new evidence about another complaint I submitted today using the same XXXX XXXX  complaint system, which is not working in this case, and the evidence recieved today from Equifax, one of the 3 main credit bureaus. There is a letter sent to XXXX XXXX, from XXXX XXXX XXXX XXXX, that was never answered by her, or anyone representing the Main Office, no matter it was written in XXXX, appears attached here as XX/XX/XXXXXXXX XXXX XXXX, and was sent from XXXX XXXX  XXXX XXXX XXXX Branch, in XXXX XXXX XXXX, Puerto Rico, on XX/XX/XXXX. Also, this same XXXX XXXX said they will re-purchase my credit card account with them, which was sold to XXXX XXXX no matter it was under a certified payment agreement with the same Bank, and the letter confirming this arrived, from XXXX XXXX Representatives : that XXXX XXXX credit card is not showing at XXXX XXXX web site, and still appears as XXXX  balance at Equifax, because it was sold to XXXX XXXX. This 2 things are hurting my credit report recuperation efforts in an unfair manner.

Company response to consumer: Closed with explanation