Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: NY
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:
In XX/XX/XXXX of this year is when I notice there was an error on my credit Report from Creditor XXXX XXXX on all three of my credit report. The error was one of the accounts was reporting a past due amount and a 30 day late. I immediately call the creditor and they explain to me how the error happened, but the only way it can be fixed is if I do a dispute with the Credit reporting agency and that what I did. The problem appeared to be fixed with all three after the dispute was finish. They remove the past due balance and updated to paid as agreed. On XX/XX/XXXX I pull all three of my credit because I am about to apply for a loan and I realize there is an error in my credit score. Equifax score was XXXX, XXXX was XXXX, XXXX was XXXX. Payment history Equifax Good, XXXX Excellent,  XXXX XXXX. Right away I new something was wrong with Exquifax report and it was, althought the remove the past due balance and updated account to paid as agree, they did not remove the late history off of my account. I call Equifax and spoke to a manager and ask them why was n't the late removed from the account and also how do you report a late payment without a past due amount on the history. Equifax reported pay as agreed and late at the same time was not past due balance at all on the history of the account and that makes no sense. I ask the manage base on this clear error to remove the late base on the fact it had not history or evidence why the account was late and they said no I had to do a dispute all over agian. Before this negative item appear on my account my payment history with Equifax was Excellent. I going to attach proof from XX/XX/XXXX that clealy shows my history with Equifax was Excellent. I did another dispute asking Equifax to remove the late history from the account and it gor removed. The problem now is Equifax change my excellent payment history into good payment history and they took 50 points off my credit score when the late payment hit my account, but when Equifax remove the late from the account they did not update my payment history back to Excellent, nor did my credit score change. My past history knowledge of doing a dispute your credit report update within 24 or 48 hours after a dispute is complete and if it goes in your favor. Dispute was completed on XX/XX/XXXX, is has been 13 days their has been no update to my payment history or credit score. My payment history is still reported my history as good and my score is still 60 points below the other two credit reporting agencies. I attached evidence that on XXXX XXXX, XXXX there was a late report on XXXX XXXX account XXXX, Balance Amout {$4400.00}, 30 late in XX/XX/XXXX. On XX/XX/XXXX the 30 day late was removed from the account history. I pull all three report on both those dates off of Equifax monitoring website to prove not only thier is a big differents in my credit score and payment history compare to the other reporting agency, there is not change in my payment history or score when I resent item from my credit report is remove. Any person with common knowledge from checking their own credit over the years know that your credit score from all 3 reporting agency are usally close not 60 points off. When I negative item like a late payment hits your credit report your score goes down 40 or more points and if it is removed you get your points back. What XXXX XXXX XXXX the most was Equifax team can see what I am seeing and they should clearly no something is wrong and they could not help me fix this problem. Equifax reports for millions of people, if a simple error like this can not be resolve with them how do they have the power to report. Eqiufax management teams keeps on trying to give me other excuses why this happen. The facts is anyone with common knowledge knows when a recent item hit your credit score it has a major negative impact of your credit report and score. And when and when a recent negative item is removed it has major positive impact on your score. The evidence I am attaching is from Equifax montoring system. Their is no excuse for this. Equifax if you are willing to make major changes base on negative items, then make majors change when the item is remove, you clearly did not do that. That is called bias, you rather take immediate action against a consumer for having a negative item hitting their report, but when it it removed you either take your time updateding or your system is not workly properly. Equifax system is still judging my report as if the negative item is still on there and it is clearly removed. How do you guys have people working there who do n't have a common understanding of how a credit report work, if they did they would clearly work on fixing this issue instead of telling that there is other factors to throw me off. I am talking about the negative item that was pulling my score down by 50 points and change my payment history from excellent to good payment history, and now it is removed from my history no changes happened in my favor. That is what I am talking about.

Company response to consumer: Closed with explanation