Consumer complaint received 2019-12-14
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:
Damages for a Negligent Violation I am entitled to damages because I can show proof that Equifax negligently failed to comply with its obligations under the FCRA. Damages they have caused me include : actual damages and attorneys ' fees and costs. Creditor must not supply information to a CRA that it knows XXXX or should know ) is inaccurate. That includes : reporting a debt as charged off when debt was settled or paid in full ... CRA is obliged to conduct a reasonable investigation of dispute, correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of dispute. 
On XX/XX/XXXX I initiated a dispute with equifax On XX/XX/XXXX I got an alert that my credit score dropped over 30 points - Creditor changed charge off date on account so my credit begin reporting a new delinquency - Several disputes were filed and I have a report showing the wrong delinquency date still on XX/XX/XXXX. This was 30 days past my initial dispute and Equifax did not conduct a proper investigation as required by the FCRA. I sent in several supporting documents showing the date the account was first reported as a delinquency. 
On XX/XX/XXXX delinquency date was updated but Equifax still reported the debt as a charge of when it was paid and settled. They pay status was never updated the only listed remarks. 
After filing several complaints a representative of equifax told me they had not been reading my complaints aint just listed the account in dispute status for balance. I was not disputing the balance because it was a zeop balance. They violated the FCRA laws again. 
- XX/XX/XXXX I contacted the consumer affairs dept and advised the representative of what went on and how he reviewed all the documents and decided to list the account as paid as agreed and deleted all late payments. 
- XX/XX/XXXX I requested all forth coming disputes to stop because the representative assured me he took care of the issue because of my many troubles and me about to take Equifax to court. 
- XX/XX/XXXX I received an alert that my credit was reporting a new charge off. Equifax modified this account when there was no open disputes, I did not receive any prior notice of them reporting negative information, they had nothing to send me, and they stated it was from a dispute but could not tell me why they did not send me info that an open dispute was in place. 
- I have written and called the Corporate office several times. I have recorded calls of the representative in the corporate office screaming at me and disconnecting the calls. Agents and Tier 2 supervisors hanging up on me and also being rude and disrespectful. Consumer affairs denied my calls and denied me assistance. 
I have sent many emails and left voicemails with the corporate office and received no responses. 
Not only did they insert the negative information on my credit without notice, telhey allowed the creditor to still change the delinquency date to drop my fico score. 
- I have 42 recorded calls exposing many of their agents for rude behavior. 
They have yet to conduct a proper investigation although they are required to do so - Equifax negligently continued to report inaccurate and it caused me to be denied a mortgage.

Company response to consumer: Closed with explanation