Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently on XX/XX/XXXX initiated this claim # XXXX against Equifax. 
I will include the original complaint in this email. My credit scores were checked and Equifax has yet to fix anything regarding the XXXX account & a late reporting of it as of only one month ago which is ridiculous. I even got a new report today which shows that my most recent late was 1 month ago on the XXXX account that was opened over XXXX yrs ago, paid off and closed .Which is still not correct which has in effect brought my Equifax score down. That XXXX Account was closed in XXXX paid in full. While it was late At times between XXXX it was subsequently paid in full XX/XX/XXXX and I sent proof of that. They updated on my report as of today still and it shows it was a month late just this last month which is NOT true. I have had nothing but trouble with this company and this specific XXXX account which will be noted below in the original complaint. I am still trying to purchase a home but until this issue showing a month late is gone it does not help me. I have not been late on any account or credit card in almost 4 years. The other bureaus show that. Im not sure what Equifax is trying to do but I believe now they are just trying to hurt me intentionally because of issuing an original complaint because they cant seem to get it right with the XXXX account and other items. At this time the old XXXX account just needs to be removed in full because of their lack of truth with reporting. 
They also need to remove the one month late on my credit report because that is also false. Thank you. 
The next statement below will be the original complaint filed XX/XX/XXXX which also includes information from the first report filed in beginning of the year when I couldnt even get access to my Equifax report. 
I initially had to file a complaint in XXXX because I couldnt access only my Equifax report for a few months. Finally after filing my complaint here and after some time I have been able to access the Equifax report along with the other 2 bureaus. But now Equifax is displaying very inaccurate information which could affect my approval for a home that I am getting ready to do next month. There is a XXXX XXXX account # XXXX purchased in XXXX, that should no longer exist on there and now they have it showing as 90 and 120 days late in XX/XX/XXXX which is completely unacceptable.This loan had it first date of delinquency in XX/XX/XXXX and subsequent issues and was paid off in full XX/XX/XXXX. It has been well over 8 yrs since purchased and over 7 since first date of delinquency. It should be off my credit report. Whats worse is they have a paid, old account shown 90 days late in XX/XX/XXXX which could very well affect my home loan approval. Im not sure if this was done on purpose because of my first complaint due to their lack of getting me access to my reports. I tried to dispute this online but I cant even do that. It says dispute still under investigation which should not be true. All disputes have been completed. Yet I went to where the XXXX account was listed to complain about this issue and couldnt. Please fix this. Equifax is the only bureau Ive ever had trouble with. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Vt XXXX XXXX Please have them fix this so I can move on.

Company response to consumer: Closed with explanation