Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: PA
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:
I received my full/current Equifax credit report from XXXX XXXX XXXX on XX/XX/XXXX. Upon review, I noticed a HUGE error in reporting of my XXXX credit card account. This accounts history is reported in error as follows ; 1. BALANCE reported : XX/XX/XXXX as {$190000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$200000.00}, XX/XX/XXXX as {$210000.00}, XX/XX/XXXX as {$220000.00} This is a revolving credit account that had a limit of {$1000.00} at one point, and has had the highest balance of {$700.00} which was paid down immediately. 
2. SCHEDULED PAYMENT reported : from XX/XX/XXXX to XX/XX/XXXX ( no data for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) is reported as {$1700.00} I have never even carried a balance that high, nor did I have the credit limit. 
3. ACTUAL PAYMENT reported : XX/XX/XXXX as {$1700.00}, XX/XX/XXXX as {$1800.00}, XX/XX/XXXX as {$1700.00}, XX/XX/XXXX as {$440.00}, XX/XX/XXXX as {$440.00}, XX/XX/XXXX to XX/XX/XXXX as {$440.00}, XX/XX/XXXX as {$440.00}, XX/XX/XXXX to XX/XX/XXXX as {$500.00}. 
This is clearly inaccurate and information taken from someone else 's credit report. 
4. HIGH CREDIT reported : XX/XX/XXXX to XX/XX/XXXX ( with no data reported for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as {$210000.00} Again, my credit limit has NEVER been over {$1000.00}, and this is CLEARLY for a MORTGAGE that was reported under my revolving XXXX card. 
5. AMOUNT PAST DUE reported : XX/XX/XXXX as {$1800.00}, XX/XX/XXXX as {$1800.00}, XX/XX/XXXX as {$1800.00}, XX/XX/XXXX as {$1800.00}, XX/XX/XXXX as {$3600.00}, XX/XX/XXXX as {$12000.00}, XX/XX/XXXX as {$12000.00}, XX/XX/XXXX as {$14000.00}, XX/XX/XXXX as {$17000.00}, XX/XX/XXXX as {$24000.00} I have NEVER been past due on this credit card, nor have I ever even exceeded my credit limit 6. COMMENTS 1 reported : from XX/XX/XXXX to XX/XX/XXXX comments for each month state " XXXX XXXX  account '' 7. COMMENTS 2 reported : from XX/XX/XXXX to XX/XX/XXXX comments for each month state " Loan modified '', from XX/XX/XXXX to XX/XX/XXXX comments for each month state " Account in forbearance '', XX/XX/XXXX comment states " Foreclosure process started '' 8.  COMMENTS 3 reported : from XX/XX/XXXX to XX/XX/XXXX comments for each month state " Fixed rate '', from XX/XX/XXXX to XX/XX/XXXX comments for each month state " 180 days or more past due '' This is a revolving charge card for XXXX, handled by XXXX, and those comments are for a mortgage and INCORRECTLY reported on my credit report under my credit card. I have never been late on a payment either. 

Additionally, there are missing on time payments that aren't reported from XX/XX/XXXX to XX/XX/XXXX. There is no data reported, and I made payments on time, which affects my payment history. 

Please see attached credit report pages from the Equifax report containing all errors as stated above. I attempted to dispute online, but this information did not appear on Equifax 's dispute website, but it does appear on my credit reports. Therefore, the dispute website does not accurately report/show the consumer what is on their credit report. Also, the dispute website intentionally limits and misleads the consumer in their ability to dispute incorrect information which is outline under the FCRA and other consumer protection laws.

Company response to consumer: Closed with explanation