Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are three paid collections on my credit report for the same company. This company is a laboratory in which I used when I worked for a hospital which insurance should have covered all diagnostics. When I received a bill for {$89.00}, another bill for {$89.00}, And yet another for {$130.00} I inquired with the insurance company as the bill had been paid. They insured me the bill was paid so from that point forward I disregarded all bills coming in for that Company. When I went to see a loan officer to obtain a loan to purchase a home, I was informed that these three bills where on my credit report as collection. Due to the small amount of the bills and the fact that I no longer work for the company, I paid the collection. When I spoke to the collection agency I was under the impression that when the bill was paid the accounts would no longer show on my credit.Since that counts were still showing, although they were showing paid, they are still derogatory remarks which affected my home loan for the down payment assistance. I disputed these three transactions through XXXX and they were removed within three days. I also disputed them from my XXXX XXXX report and two of them were removed within seven days. I have failed to add in the third one so it is in dispute at this time. Expect this one to be removed within the next few days. I then went to Equifax to dispute the same three charges on my report. Equifax would not allow meTo put in my personal information due to it not matching up with the information that they had on file. This information was in accurate. I followed a link To type in my disputes manually. I typed in each bill separately. There were only six places for disputes in which are used three of them. The next day when it wasnt showing up as an investigation on my XXXX XXXX report I called the number for Equifax dispute. I spoke to a woman who argued with me for 30 minutes that they could not remove things from my credit. She would not let me say enough without interrupting me to explain to her what my situation was. As I was looking at my credit report and speaking to this woman, I asked to speak to a supervisor. Refreshing my screen every so often at all of the sudden every account on my report for Equifax was under dispute except the three original accounts I had disputed the day before. I was asking her what she had done on the other end to make that happen because it wasnt there five minutes ago. She transferred me to a supervisor. After arguing with the supervisor for 15 minutes he informed me that he was going to delete my dispute for the 31 accounts I had put in the day before, even though I kept telling him I did not put in 31 individual dispute. He also informed me that he would put in a dispute for the three original accounts I had disputed the day before. When I asked how long it would take for this to show on my report he replied immediately. On XX/XX/XXXX when Those 31 accounts where still showing in dispute, I called Equifax customer service once again and spoke to a different female who argued with me as well. She informed me that they could not cancel my dispute from XX/XX/XXXX and I would have to call my credit agencies to have them reject the dispute. For the next two days I called every agency on my XXXX XXXX and explain to them the situation then I have been dealing with. I asked them to put in a rejection for the dispute but none of them even had a dispute on file for me. It had been over 72 hours and the dispute had not been filed with any of my credit agencies. The following Monday I called XXXX XXXX customer service once again and explained to the lady what was going on and I told her that I was in the process of getting a home loan and I needed this account to be fixed. After speaking with her for 15 minutes she informed me she would delete all the disputes on those 31 accounts and leave the disputes on the three original account. I asked her how long it would take for these to clear on my credit report and she stated 24 hours. It is now three days later and every account on my Equifax credit report is under dispute. They all say investigation pending which still prevents me from getting my home loan. I have been fighting with this credit reporting agency for over a week to fix the problem and they have yet to fix the problem. I am one month from being homeless due to the negligence of Equifax reporting agency. I am reaching out to consumer finance in a plea to assist me with this situation. I am in desperate need of assistance to fix this problem.

Company response to consumer: Closed with explanation