Consumer complaint received 2015-06-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Note For CFPB rep : Although this complaint is the same as a prior complaint, I am including new information for Equifax. Due to the fact that Equifax is not required to respond to a Disputed CFPB case and the dispute does not allow for the upload of additional information I ask that you please process this as a new CFPB complaint. Thank You. 

For Equifax : On XXXX/XXXX/2015 I submitted a CFPB complaint with Equifax, hoping it would lead to an " Executive Investigation '' rather than the typical investigation submitted through their regular channel as it is highly ineffective. My hope when submitting this " Executive Complaint '' was that I would be connected with a direct equifax case agent who would actually do their homework, and call the creditor in order to verify the claim that I made was accurate and correct my information as required by the FCRA. Unfortunately this was too much to ask for from equifax as equifax did the exact same thing they did when I submitted a complaint through the regular channel, absolutely nothing. In fact it was worse than nothing. Instead of verifying my claim with the creditor, they instead chose to take time out of their day to respond to my complaint by accusing me of making up false data and submitting unusable documentation from " Some Law Firm '' as they put it in their response. Equifax also incorrectly stated my balance as being {$24000.00} when it is in reality {$0.00}. If they would have called either " XXXX '' at ( XXXX ) XXXX or " The Law Office Of XXXX XXXX '' at ( XXXX ) XXXX They would have seen that it was not a made up document, but a verifiable legal document issued by the attorney representing the creditor. Since picking up the phone is apparently too much work for equifax, I took the liberty of doing their homework for them. I have attached a document written by XXXX. XXXX XXXX, XXXX of the Student Loan Program for the New Jersey XXXX ( the Creditor ) stating that the loan has been paid off in full. I have also attached a previous document from XXXX which states the specific reason the payoff amount is higher than the amount listed with equifax which is the reason i 'm assuming is the direct cause of equifax taking the stance that the attorney payoff letter is not a " valid '' document. ( equifax 's credit record does not account for the attorney fees. ) If equifax wishes to verify the information for themself. They can contact XXXX at XXXX or contact XXXX at ( XXXX ) XXXX ( which is the number listed on XXXX 's webite ) and ask to be transferred to XXXX XXXX to verify the information I am reporting is correct. 
I just checked my credit report with Equifax last week, and they are again incorrectly reporting that I paid {$0.00} for the month of XXXX 2015. 
I have the documentation for a small claims lawsuit filled out for the amount of {$1000.00} in full at this point in time. If equifax chooses to respond with anything other than " We have contacted XXXX and have corrected the information accordingly '' I will be sending out the lawsuit and will gladly collect the {$1000.00}.

Company response to consumer: Closed with explanation