Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fall XXXX realized there was a balance on an account I didnt use anymore. I called XXXX. The rep helped reverse the charge. I also requested to close the account because I didnt use it. It still had my maiden name on it ( XXXX XXXX XXXX ). I dont have direct documentation to submit. Im attaching the following screenshots in an attempt to prove that I called and the charges were removed : - Screenshot of my email account showing various emails from XXXX a statement on XX/XX/XXXX showing a balance, a survey following my call with them, a statement on XX/XX/XXXX showing no balance. 
- Screenshot of the XX/XX/XXXX email showing a balance - Screenshot of the email survey - Screenshot of the XX/XX/XXXX email showing no balance I can submit bank account records if that would be helpful to prove I did not make a payment to clear that balance. The balance was cleared up on XXXX side. I tried to look for a call record from my XXXX account but the website says the records are only available for a certain time period so I was unable to screenshot of a log to prove I called. 

XX/XX/XXXX I called XXXX ( XXXX ) and was told the account didnt have any late payments. The issues from last fall were completely resolved. 

XX/XX/XXXX Dispute opened with all 3 credit bureaus. 

XX/XX/XXXX XXXX  resolved the dispute in my favor XX/XX/XXXX Equifax says they called XXXX who said the account did have late payments. 

XX/XX/XXXX I called XXXX again. I called a different number this time. I called the number that the credit bureaus listed ( XXXX ). I was told the erroneous charge was reversed last fall but not the late fees and interest. She put in an order to reverse those charges and said it would be done in 2-3 business days. She said that on XX/XX/XXXX updated information would be sent to the credit bureaus. 

XX/XX/XXXX after still not seeing updates on credit for Equifax or XXXX  I called XXXX to confirm their end. The rep said the charges were reversed. 

XX/XX/XXXX I called Equifax to see if they had received an update from XXXX. The rep said no XXXX had not sent updated information. 

XX/XX/XXXX I called XXXX for the 4th time after speaking with Equifax. The XXXX rep says all the late fees and interest had been reversed last fall. The XXXX rep said she send information to Equifax. She said XXXX would have sent updated information to Equifax 30 days after that adjustment so probably XXXX of last year. XXXX rep told me the problem is on Equifaxs side and I should open a dispute. 
I told her I had already done so. That Equifax says they called XXXX and were told I was late. The rep told me she could give me an address and fax number for a different department at XXXX so I could file a dispute. I told her I wanted a phone number. I said I wanted to talk to someone. She said I couldnt. There was no number. I had to send a letter or a fax. After insisted that wasnt acceptable she said she could file it for me. So while I was on the phone with her she a credit dispute with XXXX for me. 

XX/XX/XXXX I opened another dispute with Equifax in case that would help speed things along. I attached a PDF version of a XXXX  document where I laid out the phone calls Id made between XX/XX/XXXX and XX/XX/XXXX. 

I believe XXXX needs to submit information to the credit bureaus stating that there were never late payments on this account. The failure to provide updated, accurate information is negatively impacting my credit score.

Company response to consumer: Closed with explanation