Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: CA
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:
I had a mortgage loan with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I paid my payment late in both XXXX and XXXX of 2018. 

In XXXX I paid my mortgage on time, in XXXX I paid my mortgage on time in XXXX and XXXX I paid my mortgage on time. Initially, XXXX XXXX XXXX XXXX reported to the credit bureaus that I paid XXXX, XXXX, XXXX and XXXX payments on time. ( Reported regularly each month ). 

I entered an escrow for the sale of this property in XX/XX/2018. I asked XXXX XXXX XXXX XXXX   for a payoff letter which they provided initially the letter had a late payment on it of {$43.00}. 
I paid the late fee and XXXX XXXX XXXX XXXX sent a new payoff letter to XXXX XXXX   stating I was in good standing with my loan and had no late payments or arrears. This letter is dated XX/XX/2018. 

After the close of escrow for this loan XXXX XXXX XXXX XXXX placed a 60 day late payment on my credit report for the month of XXXX and a 30 day late on my credit report for XX/XX/2018. 

I sent copies of my bank statement to XXXX XXXX XXXX XXXX showing I paid these items in a timely manner. I explained to XXXX XXXX XXXX XXXX that it is mathematically impossible for me to be on time with my payment in the month of XXXX and 60 days late in the month of XXXX! 

They are continuing to state this mathematical impossibility incorrect information on my credit report. 

I have been carefully watching my credit reports and I knew immediately when they changed my report to reflect 60 days late in XXXX and 30 days late in XXXX. 

My credit report still says " pays as agreed '' even on during the months XXXX XXXX XXXX XXXX   allege I was 60 and 30 days late. 

I am reporting this for several reasons : 1. ) It is incorrect 2. ) These late payments are negatively affecting my ability to buy another home and the interest rates are rising out of control. 
3. ) When I sold this property I signed a gift of equity in the amount of {$44000.00} to the buyer ( my niece ) - XXXX XXXX  ( the new lien holder of the note ) told me at the time they requested the payoff of my loan from XXXX XXXX XXXX XXXXXXXX that I had to be in good standing on my loan, XXXX XXXX said I could not have any late payments, and I could not be behind in payments. If I were behind I could not give the equity to my niece and they would not complete the loan process. 
4. ) XXXX XXXX XXXX XXXX reported to XXXX XXXX and to me repeatedly that I was in good standing in XX/XX/2018, which I was, and it resulted in my niece being able to buy the home without any down payment, but having a credit of 20 % down, and all closing costs being financed into the loan. 
5. ) By mathematical calculation I could not be current in my payments in the month of XXXX and 60 days late in XXXX it is impossible, I submit that the initial credit report of all my payments made in XXXX, XXXX, XXXX and XXXX being on time is correct. 
6. ) The changes made in XXXX are a mistake I need your help! XXXX XXXX XXXX XXXX is not considering even the mathematical impossibility of the XXXX report. It is impossible to be 60 days late when the month before is on time. 
Attachments : You can clearly see by my Equifax credit report that the XXXX and XXXX payments are not recorded Attachments : You can also where my bank statements clearly show that I made payments in both XXXX and XXXX. The XXXX and XXXX payments are not on my Equifax credit report These payments are not listed on my credit report as they should be where are these payments recorded. 
I have also included a copy of my credit report showing that XXXX XXXX and XXXX payments were initially reported as being paid on time and my account was initially reported and continued to be reported as " pays as agreed ''

Company response to consumer: Closed with non-monetary relief