Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: GA
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:
As of XXXX I disputed the following account reporting on my credit to the three major credit reporting bureaus ; XXXX XXXX, Experian and Equifax. The dispute was filed due to inaccurate account information reporting related to late payments : XXXX XXXX XXXX XXXX XXXX - Bond Comm FCU ( Creditor ) XXXX x 30 days late XXXX x 60 days late XXXX x 90 days late XXXX x 120 days late The XXXX bureaus showed the creditor reporting the above late payments during the months XXXX XXXX through XXXX XXXX. The dispute was resolved by the creditor and the bureaus updated the account in XXXX XXXX with the following information : Removed 30 day late payment reported - XXXX XXXX Removed 30 day late payment reported - XXXX XXXX Removed 30 day late payment reported XXXX XXXX Removed 90 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 90 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Updated 120 day late payment reported XXXX XXXX Removed past due amount of {$2400.00} Updated account balance from {$11000.00} to {$9100.00} Updated months remaining from 33 months to 34 months On XXXX/XXXX/XXXX the dispute with Equifax was completed. Over a month after the dispute was resolved by the creditor and closed by the credit bureau Equifax, the same late payments that had been previously removed reappeared on my credit report as of XXXX XXXX, XXXX. I contacted my creditor ( Bond Comm FCU ) and the Auto Loan XXXX informed me that the information I disputed in XXXX XXXX was previously corrected, removed and updated upon my initial dispute request as stated above. On XXXX XXXX, XXXX, I spoke with a Customer Service agent from Equifax, to cancel my monthly membership and was told I would be able to review my report until my next billing period ; however, I was not able to access my online account information to file a new dispute. I called back in on XXXX XXXX, XXXX to restart my Equifax monthly membership in order to access my credit report online, and I was told due to the Equifax XXXX breach, I would need to sign up with Trusted ID to receive my credit online. This account does not allow me access to the previous credit reports that I pulled under the Equifax monthly membership. 

I informed the Equifax XXXX department agent that the creditor confirmed my account information had been previously corrected, I was told the only way to correct the account would be corrected again is to submit another dispute. I asked the XXXX agent if it were possible that a reporting error had been made by Equifax and the XXXX replied it was possible because the account disputes and the monthly account reporting is handled by XXXX different departments ; but, the XXXX agent again informed me that it was impossible for them to investigate internally and I would have to dispute the account information again in order to have it corrected. 

Because I could not go back and access the previous Equifax report that was run after the dispute was resolved, I have also attached the Experian credit report showing where the Bond Community installment account was updated with the corrected accurate information after the dispute was resolved in XXXX XXXX, XXXX. I also included a copy of more recent current Experian credit report that I pulled on XXXX/XXXX/XXXX showing that the account is still reporting accurately since the dispute was resolved.

Company response to consumer: Closed with explanation