Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid I off my loan earlier than expected due to a promotion XXXX XXXX was running. I was told around XX/XX/XXXX that I could take advantage of an early payoff option. I could pay my account in full for the amount about {$250.00} ( cant  recall the exact amount ) that and save on the rest of the payments and interested. Of course I accepted bc that would save me a lot of money. The account was then closed as paid in full. About a year later, the reporting on this account changed to 60 days late. After speaking to an agent at the store I purchased the account from, I was advised of some accounting errors due to change of staff. Although I made the payment, it was not posted to my account until later which made my account delinquent. This was in XX/XX/XXXX. I was told it would be corrected because they also were reporting I still had a balance of {$2600.00}. I waited 30 days for my reports to update. The balance went to {$0.00} but they never removed the late payments. Long story short, Ive been calling every month to get this fixed. Ive spoken to the manager XXXX ( or XXXX ) at the store and he advised he is waiting for his supervisor to email him back. He does see the error but only she can send in a request to have this updated. I still have not heard back from anyone. I contacted the store on XX/XX/XXXX. XXXX said he would get this corrected asap and apologized. He said he would return my call but I have not heard back. I have also spoken to the female assistant manager but she did not give me her name. I have disputed this with the credit bureaus but I dont feel they are investigating this thoroughly. I have sent a request by mail to corporate office to have the payment history updated but have yet received a reply. My phone calls and voice messages have not been returned. I have called corporate on XX/XX/XXXX and was transferred to someone in credit. I spoke to XXXX, and she insisted they were not reporting incorrect information. She kept telling me that they were not reporting any 60 day late for XX/XX/XXXX but on all the reports it clearly shows that. She insisted it was not being reported. She went over the times a was few days late but I explained to her those payments were late because the someone added inasurance to my account that I did not accept and i had to wait for the manager to adjust my balance. This continually happened where they either never really removed it or someone was going back in to add it. I did not pay that. I only paid what my installment was and the rest had to be corrected by them. She also did not want to accept a copy of my report for review or send an update to the credit bureau. She said she would have a higher up review it and contact me but I have not heard back. I just want the late payments for XXXX XX/XX/XXXX removed and the account to report as paid. Right now it is reporting 60 days late and still open. I have disputed it several times and I has not been corrected.

Company response to consumer: Closed with explanation