Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX and XX/XX/XXXX I filed a dispute with Equifax in regards to a late payment that was being reported on my credit file from XXXX XXXX for XX/XX/XXXX. I supplied Equifax with a copy of my payment history that shows that on XX/XX/XXXX XXXX XXXX recvd a pymt in the amount of approx $ 12k to pay down the balance on the vehicle leaving a remaining balanced owed on the loan approx {$1700.00} meaning now the balance was also reporting incorrectly. That statement also included a full payment history showing all pymts were made as agreed per the loan. In addition I also provided a copy of the cashed check that shows pymt was cashed on XX/XX/XXXX, a copy of my original contract showing that pymt was due on the XXXX of every month, as well as the detailed account history that confirmed pymt was applied to account on XX/XX/XXXX, I explained that although my pymt was 2 days late it was never 30 days late. I explained that my credit file reported the large pymt made in addition to all previous pymts made. I also provided a payoff letter recvd from XXXX XXXX that provided the payoff amount after pymt was recvd which was significantly lower than amount reported. On XX/XX/XXXX Equifax notified me that late pymt was verified to be correct. I advised that they were not being truthful as I had been in contact with XXXX XXXX and it was confirmed that late pymt was requested to be removed. I asked rep and supervisor if they could contact creditor while i was on the line and they both stated that they could not. I escalated call and spoke with another supervisor who advised that they were not able to contact creditor directly however they would redispute pymt but i would have to contact creditor directly. On XX/XX/XXXX i redisputed information for late pymt again but faxed an email from XXXX XXXX legal department who advised request to remove pymt was sent and should have been corrected within 7-10 days. The email included a name, phone number, and email of the representative from XXXX XXXX that they could have called and verified information. On XX/XX/XXXX i recvd a reply to my dispute stating late pymt was verified. 

Equifax is being dishonest and unlawful in their verification process. I have provided all documentation to prove this account was not 30 days late, including email notification from creditor that late pymt should be removed. I have also provided proof of payment, which was not needed because my credit file clearly reflects large pymt as well as before and after pymts, as well as account payment history and payoff letter. 

At this time i am requesting that Equifax remove the negative information from my file IMMEDIATELY as i have provided all proof that pymt was not 30 days late and they have consistently lied stating it has been verified and they have not provided me validation of conf. debt as requested. Failure to correct this issue within 15 days will result in me filing a law suit immediately as Equifax has hindered my ability to close on my home They have conf. that all correspondence and documents were recvd but they have failed to update information properly. They have continuously lied stating that information was verified when it was not and letter from creditor provided stating request was sent. PLEASE CORRECT THIS ISSUE NOW

Company response to consumer: Closed with explanation