Consumer complaint received 2017-08-16
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX/XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX-XXXX  account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( Equifax, XXXX, and XXXX ) requesting the account be removed. On XX/XX/XXXX, upon reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The XXXX  representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX, I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.

Company response to consumer: Closed with explanation