Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern, I've been disputing with the credit bureaus ( Equifax, XXXX, XXXX XXXX ) and the furnishers ( XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX ) since XX/XX/XXXX, and as recently as XXXX & XX/XX/XXXX, to have an account removed from my credit report. I've identified all of the inaccurate & inconsistent information that was being reported, and I've sent both the bureaus and the furnishers physical evidence that this account was paid in full to the original creditor as " SATISFACTION OF MORTGAGE '' to which I've maintained constant communication. Their letters and website states If you have documents that release you from this obligation please forward a copy to us. Upon request, I've repeatedly asked proper documentation that identified the original creditor, open/close dates of the account, binding contract ( s ) and other vital information. None of these entities has presented anything tangible thus far ( bureaus and the furnishers ), but they've all ignored me. For example, on XX/XX/XXXX, I've disputed with XXXXXXXX XXXX, certified mail to their Indiana office with information identifying myself, account #, and the release " SATISFACTION OF MORTGAGE ''. They said my letter was illegible ( when I typed ), there was no account #, no signature and that I didn't provide enough information for them to identify the account. The they referred me to their California office and I disputed with them on XX/XX/XXXX, they sent me the same response. Ive disputed with XXXX XXXXXXXX XXXX on XX/XX/XXXX, they ignored me and referred me to XXXX XXXX. I have copies of their response letters. I've submitted my fourth dispute with Equifax on XX/XX/XXXX by certified mail, about inaccuracies with a certain account, days later received an email that showed they were re-investigating the wrong account, after I've provided them with the correct account number. On XX/XX/XXXX, I called their customer service # to rectify the issue with an Equifax representative and they continued to give me grief and told me they couldn't do anything about it. As I've mentioned earlier, Ive pulled my credit report from reliable sources for the 3 major bureaus, and theyre all inaccurate, inconsistent, and the two furnishers have been inaccurately reporting from multiple offices from different states. The bureaus refuse to make the corrections and properly investigate my account. Ive attached copies of my credit reports from XXXX, Equifax, XXXX, XXXX XXXX, the certified release, a response from XXXX of the debt collectors and I've placed RED ARROWS where there are inaccuracies and contradictions. Every time that I've checked my updated reports over the months, information is always different rather than correct. Ive read, reviewed, and Im exercising my rights as a consumer, while these companies know the law and are required to follow the law, but refuse to abide by them.

Company response to consumer: Closed with explanation