Consumer complaint received 2019-06-09
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Dear Sir/Madame, I have been in a constant battle since XXXX of XXXX with Equifax to add a 100 word statement to my credit file regarding my financial circumstances at this time.

They have been extremely uncooperative in adding this statement to my credit file XXXX and XXXX have added this 100 word statement to my file 4 months ago.

Equifax finally sent me 2 letters/confirmation numbers, with 2 different 100 word statements - one they created and one that was not complete. 

The first letter listed below has a confirmation number from Equifax as being placed on my credit report. 

Confirmation # XXXX letter dated XX/XX/XXXX The 100 word statement listed here is and I quote : I was forced to file bankruptcy in XXXX due to wrongful foreclosure on my home I was advised to include my home to avoid future replevin from the bank I was also forced to include XXXX XXXX in my bankruptcy as well also due to the wrongful foreclosure of my home I have a long history of good credit with XXXX XXXX dating back to the early XXXX I have paid XXXX XXXX off multiple times and was never large on any payments End of quote. 

First of all this Equifax statement is not even close to the 100 word statement I sent to them to be added to my credit file - for past, present and future creditors to review. This makes absolutely no sense and grammatically incorrect as well no periods, commas or even spaces between the sentences. I put spaces between the sentences so you could see what Equifax attempted to construct out of my original statement. 

THIS IS NOT THE 100 WORD STATEMENT I WANTED ADDED TO MY CREDIT FILE FOR CREDITORS TO REVIEW. 

The second letter letter Equifax sent to me with a confirmation number as being placed on my credit report is : CREDIT FILE : XX/XX/XXXX CONFIRMATION # XXXX The 100 word statement Equifax has stated here as being added to my credit file states and I quote : I am no longer able to pay my 4 XXXX  XXXX credit card payments at 23.99 % interest on each card due to losing of my income. My long term fiance and I are no longer engaged and I have had to stop making payments due to being on a XXXX income. There is no foreseeable way for me to continue to make payments or pay of these accounts. My bankruptcy in XXXX was due to wrongful foreclosure. I was advised to include my home to avoid and it stops here - End of quote This 100 statement is ALMOST correct, but not what I sent to Equifax to be added to my credit file 6 months ago. 

At the end of this letter, I have enclosed a copy of the visual statements from Equifax for your review. 

I have scanned and sent Equifax a copy of the CORRECT 100 word statement several times from myself and even the statement from XXXX that was placed on my credit file for their review. All Equifax would have to do is scan the statement I sent from XXXX or the original one I sent copy and paste to my credit file and it is done. I am very frustrated that this is such a simple thing for them to do and would help me in rebuilding my credit at this time. 

I am requesting for your agency to please contact Equifax and have them add the correct 100 word statement exactly as I written it to my credit file as listed below : WORD FOR WORD - WITH PUNCTUATION PLEASE ***I am no longer able to pay my 4 XXXX XXXX credit card payments at 23.99 % interest on each card due to losing over one half of my income. My long term fiance and I are no longer engaged and I have had to stop making payments Due to being on a XXXX income only. There is no foreseeable way for me to continue to make payments/ pay off these accounts. M y bankruptcy in XXXX was due to wrongful foreclosure. I was advised to include my home to avoid replevin from the bank. I have history of good credit. End of statement. 

Please contact Equifax regarding my complaint and after they have decided what they want to add to my credit file, could you please have them send you the statement/confirmation number for your review and then forward it to me for my review. If Equifax has to answer to a state agency, I am sure they will be more cooperative. 

Thank you for you time and patience in this matter, it is deeply appreciated. 

XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau I can't add the 2 letters from Equifax, I can't copy/paste them for some reason

Company response to consumer: Closed with explanation