Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: TX
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:
My husband and I had an account with XXXX XXXX XXXX and they have reported several late payments which are inaccurate. I have attempted to dispute with the consumer reporting agencies directly and received notification that the account was verified with all late payments being valid. It is the responsibility of the consumer reporting agencies to insure they are reporting accurate information and doing their diligence to VERFIED such information./ As of today my rights under the FCRA as they DID NOT verify this information and failed to provide me with PROOF of these late payments. In XX/XX/XXXX I reached out to XXXX XXXX XXXX and advised the company the motor had went out on the vehicle and I would be unable to keep making payments. I was informed they would send me A settlement offer so that I can pay the loan off and it would give me 60 days to pay. On XX/XX/XXXX. XXXX I received the letter via email ( See Attachment ) and contact the company back directly to confirm I had 60 days to render payment. I was informed that as long as I made the payment by the date on the letter I was good to go. On XX/XX/XXXX I called XXXX XXXX XXXX and advised them I was still awaiting A tax return and it was sceduled to be sent to me on XX/XX/XXXX and my settlement letter expired XX/XX/XXXX just XXXX weeks before I would havbe the funds, I spoke with A supervisor who agreed to reissue the settlement letter extending the dead line for payment until XX/XX/XXXX. ( See attachment ) On XXXX as promised I called and rendered payment in full for the agreed amount of the settlement and on XX/XX/XXXX I was mailed A PAID IN FULL LETTER confirming the balance was resolved and my titles attached. As you can see from the late payment history that is being reported the account is showing lates for all months that I was in settlement status and no payment was required per their letter! Additionally, It clearly shows late payments for XX/XX/XXXX and again the account was paid and closed as of XX/XX/XXXX. Which is proof that this company has been reporting inaccurate late payments. It is also proof that when i summitted the disputes for both myself and my husband XXXX XXXX when we received A notice advising us the information reported by this company was confirmed as valid THAT WAS INCORRECT and in fact it shows the consumer reporting agencies failed to properly verify this information and contused to report this inaccurate information and violated my rights under the FCTA! This company has reported late payments from XXXX and XXXX when the vehiclpayments had been defferred to the end of the loan due to it constantly stopping. Not only did this cause us finacial hardship constantly repairing A vehicle we barely had for XXXX onths but now they are reporting all of these inaccurate lates and the consumer reporting agencies are failing to remove them as it is clear it is INCORRECT! I have attached A copy of my drivers license along with front and back picture of my social and my husbands as verification of identity. I am also requesting that this information be uploaded to all three consumer reporting agencies file so that I do not have to send such documentation again. I would like ALL LATE PAYMENTS REMOVED FROM MY HUSBAND AND I CREDIT REPORT AS THIS IS PROOF THIS COMPANY HAS LIED AND REPORTED INACCURATE INFORMATION AND THE CONSUMER REPORTING AGENCIES FAILED TO VERIFY BUT CLOSED MY DISPUTE.

Company response to consumer: Closed with explanation