Consumer complaint received 2019-02-10
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Here is an attatchmemt of the documents i sent to Equifax : XXXX XX/XX/XXXX Equifax Dispute Department Disputing Items On Credit Report Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Dispute Department : I am writing to dispute the following information in my file : Item 1 : XXXX XXXX, Closed/ Charge Off Account, Account Number identified on Report XXXX XXXX You will also find this item circled on the attached credit report. 
The item I have identified isinaccurate for several reasons. To start, it is a charge off account with monthly payments listed, which would then make the account installments. An account can not be charged off and closed with monthly installments. In addition to, the account is listed in the closed section of my credit report, however there is no closed date reflected on the report as required. It states the account was charged off in XXXX and XX/XX/XXXX however, when stated on my credit report, Charge Off Amount, this section is also blank on my credit report. This will be highlighted on the attached credit report for your observation. XXXX XXXX also claims to have mailed me a copy of the Explanation of Calculation of Surplus or Deficiency on XX/XX/XXXX. This letter states that the amount of deficiency as of that date was {$11000.00}. I spoke with 2 representatives who emailed me a copy of this report claiming to be directly associated with XXXX XXXX. The company goes by the name XXXX. I will be attaching screenshots of the time stamped emails with the attached Explanation of Calculation of Surplus or Deficiency Letter. Both representatives also claim that this statement reflects the current balance owed on the account is {$11000.00} as of XX/XX/XXXX. One of the representatives is XXXX XXXX. Her information can be found in the timestamped email attached to this letter. As highlighted on the Credit report, the balance reads {$9300.00} last reported XX/XX/XXXX. I spije with another gentleman from XXXX whom stated the amount owed was {$9300.00} currently. He then stated the account was charged off in XX/XX/XXXX. The company has knowingly reported information contradicting their report of the remaining balance, since XX/XX/XXXX. Seeing that these balances dont add up and the furnishers have been knowledgably reporting information contrary to their documentation, I request Equifax remove this account from my credit report. If XXXX or XXXX XXXX counters this request, I ask that Equifax request an itemized account of all financial records starting with the original opening of the account in XX/XX/XXXX. They Should account for the balance reported on my credit report of {$9300.00} and also account for the balance of {$11000.00} as reported by XXXX XXXX and the Explanation of Calculation of Surplus or Deficiency Letter. They should explain the significant difference in these figures and prove which one to  be accurate. They should then send in an explanation as to why they reported false information on my credit report for the past 2 years or why they have emailed and mailed me false information regarding the balance of this account. All documentation received by Equifax from XXXX XXXX/ XXXX should be forwarded to my address listed above. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via fax to ( XXXX ) XXXX XXXX as well as certified mail to ensure this matter is resolved within the required 30-day window. 

Sincerely, XXXX XXXX Either way i have given the furnisher more than 3 chances to correct my credit report and it has yet to be done. This is a clear violation of FCRA and should be removed from my credit report via the furnisher, however they refuse. I have voice recordings of all my encounters with the company. Please help me. My qife is XXXX XXXX XXXX XXXX and this issue has delayed our house buying capabilities for ther past 2 years. Thank you in advance!

Company response to consumer: Closed with explanation