Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: AL
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:
Facts : * On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX, from XXXX XXXX in XXXX, AL. The lender was XXXX XXXX, which later became XXXX XXXX and who currently reports this tradeline to the three major credit Bureau 's. 
* TERMS : As reported by XXXX XXXX to the credit bureau 's ; my terms continue to be reported in error. My XXXX credit report dated : XX/XX/XXXX at ( enclosure 1 ) reports my terms as 75 months. However, my contract with XXXX XXXX reflects 72 months as the terms agreed upon on XX/XX/XXXX at ( enclosure 2 ). This is one of several unmistakable errors in reporting.

* DATE CLOSED : XXXX reports the date closed on my account as : XX/XX/XXXX. 
This date is also egregiously in error as the date of last payment as per my bank statement dated XX/XX/XXXX in the amount of {$1400.00}. see ( enclosure 3 ). 
* PAY STATUS : Maximum Delinquency of 60 days in XX/XX/XXXX is inherently not correct ; as the account was paid-in-full on XX/XX/XXXX as per my bank statement at ( enclosure 3 ). 
* LAST PAYMENT MADE : As per my XXXX credit report at ( enclosure 1 ) is further in error as my bank statement at ( enclosure 3 ) shows the last payment on XX/XX/XXXX. 
* FINALLY, This account has been unmistakablly reported egregiously since XXXX. 

ACTIONS TAKEN : ** Contacted XXXX XXXX 0n XX/XX/XXXX by phone. service representative informed me she would remove this account from my credit reports. To no avil, she has never responded. 
** Again, on XX/XX/XXXX, I spoke with another representative from XXXX XXXX  and she informed me she could not help me due to the age of the account. She further told me the last date of reporting on my account was XX/XX/XXXX. Here again, my credit report at ( enclosure 1 ) reports the last date updated as XX/XX/XXXX ; while, XXXX records do not reflect its reporting to the credit reporting agencies. 
** Next, on XX/XX/XXXX, I disputed this account with all three major credit bureau 's as you can see at ( enclosure 4 ) with no relief forthcoming. 
** On XX/XX/XXXX, I mustered up enough energy to attempt to contact XXXX XXXX   by phone. This time I spoke to a young lady by the name of " XXXX. '' She further informed me " I needed to submit another dispute through the credit bureau 's and I needed to write a letter. '' Little did she know, I had went that route already. 
** Today, I made one final attempt to speak with someone at XXXX XXXX as to their reporting on my credit reports. I endured being passed around XXXX XXXX credit department by the initial representative to four ( 4 ) other representatives : XXXX, XXXX, XXXX, and XXXX. Finally, I called XXXX XXXX Corporate offices to speak to someone in the legal department ; once again the passing the buck began ; I became frustrated with their phone game and I resolved to end the call. 
** FINALLY : This tradeline which I bring a complaint is in its seventh year of age and throughout has been erounously reported by XXXX XXXX or the XXXX, Equifax, and XXXX ; or maybe all four. This reporting has damaged my credit worthiness to the extent my family and I have had to endure hardship and discourse within our household. We are still not able to apply for credit without paying interest in the ranges of 30 %, which keeps us at bay to even dreaming of having our own home.

Company response to consumer: Closed with explanation