Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: WV
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:
XXXX XXXX ( XXXX, IN ) verification of mortgage of XX/XX/2018 stated that current unpaid principal is {$270000.00}. I disagree with unpaid principal. I have continued to dispute several late fees, because payments had been made on time and XXXX XXXX insist on not responding to disputes. Verification of mortgage shows next payment due XX/XX/2018. Just how far behind is XXXX XXXX  payment processing system. This shows that XXXX XXXX system is approximately two months behind. Based on this assessment, it reveals that due to being behind, account continues to be reported to credit bureaus as being past due, resulting in me having to suffer. Confirmation XXXX ( {$1500.00} ) shows XX/XX/2018 was posted by XXXX XXXX on XX/XX/18. Verification of Mortgage of XX/XX/2018 shows amount past due in the amount of {$4700.00}. This is totally inaccurate. Reported past due reveals past due for XX/XX/2018 ( {$1500.00} ), XX/XX/2018 ( {$1500.00} ), XX/XX/2018 ( {$1500.00} ) -total {$4700.00}. XX/XX/2018-Confirmation Number XXXX ( {$1500.00} ) shows that XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18, Confirmation Number XXXX ( {$1500.00} ) shows that XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. Confirmation Numbers XXXX ( {$790.00} ) and XXXX ( {$790.00} ) shows that XX/XX/2018 payments were posted by XXXX XXXX on XX/XX/18 & XX/XX/18. This is well within time frame for making payments. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated their research determined that account is accurately reported to credit bureaus I do not agree that XXXX XXXX is accurately reporting account. Confirmations, checks and banking statement have been submitted showing that one department with the XXXX XXXX organization have been posting payment on time, while another department insist on overriding payment departments postings and continues to report inaccuracies. Appears XXXX XXXX refuses to accept copies of checks, confirmations, banking statement to dispute inaccurate reporting. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated records reflect loan is now one payment overdue, totaling {$3100.00}. Total shows two months past due. ( XX/XX/2018 and XX/XX/2018 ). Confirmation XXXX XXXX ( {$1500.00} ) shows XX/XX/2018 payment had been posted by XXXX XXXX on XX/XX/2018. Confirmation Numbers XXXX ( {$790.00} ) and XXXX ( {$790.00} ) shows XX/XX/2018 payment posted by XXXX XXXX on XX/XX/18 & XX/XX/18. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated that they have not received loan payments for the period XX/XX/2018 through XX/XX/2018-totaling $ XXXX.Confirmation Number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. Confirmation XXXX XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated that loan payments had not been received for the periods of XX/XX/2018 through XX/XX/2018. Confirmation Numbers XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18 and confirmation number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. Since confirmed payments had been posted in accordance with mortgage contract, why is XXXX XXXX insisting on reporting payments are 60 days past due for XX/XX/2018, XX/XX/2018, XX/XX/2018. XXXX XXXX ( XXXX, IN ) letter ofXX/XX/2018 stated mortgage payment is 60 days past due. Since letter does not show which months are past due, can only assume that XX/XX/2018 and XX/XX/2018 payments had not been received. Confirmation Number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18 and confirmation number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX  on XX/XX/18. Again XXXX XXXX continues to report 60 days past due for XX/XX/2018 and XX/XX/2018. XXXX XXXX ( IXXXX, IN ) letter of XX/XX/2018 stated that XXXX XXXX had not received payments for the period ofXX/XX/2018 through XX/XX/2018. XXXX XXXX has reported account as being 60 days past due forXX/XX/2018 and XX/XX/2018.  Confirmation XXXX XXXX ( {$1500.00} ) shows XX/XX/2018payment was posted by XXXX XXXX  on XX/XX/18. Confirmation XXXX XXXX XXXX {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX onXX/XX/18. After receiving XXXX XXXX   payment history report ( an internal document not readily available to customer ). it revealed that XXXX XXXX had been posting current monthly mortgage payments to previous months. For example report shows XX/XX/2018 payment had been applied to XX/XX/2018. XX/XX/2018 payment had been applied to XX/XX/2018. As of this dated and after continued requests, XXXX XXXX has failed to explain why they continue to apply current mortgage payments to previous months. This is clear evidence that there continues to be miscommunications within XXXX XXXX   organization, where the customer continues to be penalized. Their actions continue to have a devastating impact on my credit scores. I have been denied applications, based on the outrageous reported past dues. Several lenders have labeled me as unworthy of refinancing and or being approved for personal loans. Another lender stated that XXXX XXXX   must remove these past dues before any bank/lending institutions would begin to review any requests for refinancing, and or personal loans. I feel that I am a prisoner within the XXXX XXXX system. Why is XXXX XXXX being allowed to continue reporting these unwarranted past dues, when confirmed documentations had been posted by XXXX XXXX does not support the reporting of past dues. There has been nothing found that authorizes XXXX XXXX to apply payments to any previous months, nor have I been made aware in writing or telephone conversation that such a procedure exists.XXXX XXXX has not telephoned me in over two years. Is this good customer relations? XXXX XXXX had assigned me a POC. I have yet to receive as much as a courtesy telephone call to introduce themselves. Assignment made in XX/XX/2018. Each months mortgage statements shows total amount due ( {$1500.00} ) which is broken down to certain amount that is to be applied to escrow, principle, and interest for the month.. There has been nothing mentioned of applying mortgage payments to previous months. I found nothing in the terms and conditions mortgage contract. Mortgage payments are due on the first of each month, but no later then fifteenth of the month. Payment is to be applied to current month. I only revealed concerns for six month of year XX/XX/2018. I have experienced the very same issues for the entire year of XXXX. Issues continue to go unresolved and I continue to be impacted by XXXX XXXX unwillingness to work with customer to resolve expeditiously. I am tired and utterly frustrated and wish to resolve expeditiously. So I may pursue my financial goals and objectives. As a honorably discharged retired veteran with over XXXX XXXX years of service, I do not deserve to be mistreated this way. I have made the Veterans Administration ( Benefits ) aware of issues with XXXX XXXX, for I do not want to lose my entitlements due to XXXX XXXX continues unwillingness to resolve expeditiously. I ask again why is XXXX XXXX being allowed to perform such unwarranted practices while inflicting undue hardships to customers. 

This dispute is being submitted in accordance with FCRA 623 ( b ) ( 2 ) : Some companies have not been good about keeping records in the best shape and keeping information current cost a lot of money to import data. This has resulted in companies like XXXX XXXX showing no records of past dues, yet XXXX XXXX continue to report negative information on credit reports. Why is XXXX XXXX being allowed to continue report inaccuracies, while customer is being unworthy of credit cards, refinancing and/or personal loans? 
FCRA {$620.00} ( c ) : XXXX XXXX is in violation of this article for they have refused to answer me or provide proof of reported past dues, even after I submitted confirmation payment posted by XXXX XXXX to XXXX, IN, XXXX, IN and XXXX, OH. According to this article, as a private citizen I can not take XXXX XXXX to court and sue them. 
A3-2-01 Compliance with the Law : According to this article XXXX XXXX must comply with the law that addresses credit reporting. 
Section {$610.00} : XXXX XXXX must conduct a reasonable re-investigation to determine whether the dispute is valid. The only response I have received stated that they were in receipt of my dispute and to allow thirty days to respond. I have received many letter of this nature, with a thirty days  response time. All responses have exceeded the required time frame. I am planning to relocate next year and purchase another home. I most definitely want to resolve issues with XXXX XXXX quickly, for I do not want any set backs, during the purchasing process.

Company response to consumer: Closed with explanation