Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: PR
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:
XXXX XXXX XXXX XXXX, is the bank where I paid 2 accounts : 1. A Personal Loan, with a {$260.00} regular monthly payment ; which is paid as agreed since XX/XX/XXXX, when its balance was fully updated with my {$2000.00} payment, after I re-started the regular monthly payment of {$260.00} nearly 10 months before XX/XX/XXXX, when I recovered the same job and salary I had, one year ago ; 2. A XXXX XXXX Credit Card, with a {$120.00} monthly payment, which is paid under a certified payment agreement at the same XXXX XXXX XXXX XXXX since XX/XX/XXXX. The payment agreement was made on XX/XX/XXXX, on a phone call I received made by XXXX XXXX, from XXXX XXXX, and was effective on XX/XX/XXXX, when I was able to make the first payment of {$120.00} of this payment agreement. See evidence included. This certified payment agreement, requires 1 monthly payment of {$120.00}, but not a specific date of the month for making this payment.
3. Both accounts, this XXXX XXXX credit card, and this Personal Loan, was never paid to any collection agency, but at the same XXXX XXXX, always, no matter XXXX XXXX  sold this credit card account to a collection agency called XXXX XXXX, no matter the payment agreement was already made before this account was sold, and the first payment of {$120.00} was made on XX/XX/XXXX, and I received a letter from XXXX XXXX XXXX XXXX, certifying this payment agreement before a mail notice arrived saying this account was sold to a collection agency called XXXX XXXX ; 4. This payments of {$120.00}, which the first payment made on XX/XX/XXXX, the second payment was on XX/XX/XXXX, third payment onXX/XX/XXXX, fourth payment was on XX/XX/XXXX, fifth payment was n XX/XX/XXXX, sixth payment was onXX/XX/XXXX, and the seventh and last payment of {$120.00} was made on XX/XX/XXXX ; 5. No matter I have shown all the receipts for this payments, including the last 2 payments to this same credit card and loan accounts, and I updated the loan account in full, last XX/XX/XXXX with a {$2000.00} payment and there are already 3 regular monthly payments were made by myself after XX/XX/XXXX, of {$260.00} each, last XX/XX/XXXX, XX/XX/XXXX, and the third regular payment after its balance was fully updated, was on XX/XX/XXXX.
6. XXXX XXXX XXXX, the attorney assigned by XXXX XXXX XXXX XXXX to attend this case, insists that the Bank she represents is not doing anything wrong, but making reference to Federal Deposit Insurance Corporation requirements, that according to her, require to report this 2 accounts as past due because both were past due before? No matter this same loan, was fully updated last XX/XX/XXXX, as this Bank has all the evidence, nearly 3 months ago, nearly 90 days ago.
7. This action allowed by XXXX XXXX and backed up by their attorney XXXX XXXX XXXX, is against the Fair Credit Rporting Act, no matter this bad attorney does not want to recognize it, and this same attorney does not pay attention at all, to the Fair Credit Reporting Act, which clearly says the following : 8. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumers credit history.The FCRA is chiefly concerned with the way credit reporting agencies use the information they receive regarding your credit history. The law is intended to protect consumers from misinformation being used against them. It offers very specific guidelines on the methods credit reporting agencies use to collect and verify information and outlines reasons that information can be released. Reference found at : XXXX XXXX XXXX The law was passed in XX/XX/XXXX and amended twice. It is primarily aimed at the three major credit reporting agencies XXXX, Equifax and XXXX  because of the widespread use of the information those bureaus collect and sell. The law also applies to banks, credit unions and agencies that sell medical records and check writing or rental history records, as well as any businesses that use information on credit reports for hiring purposes.
9. This reference clearly shows, this Fair Credit Reporting Act applies to the banks, like XXXX XXXX ; but attorney XXXX XXXX XXXX does not recognize it.
10. The unfair damages caused by XXXX XXXX action of not updating this 2 accounts at Equifax, XXXX and XXXX XXXX, was recognized only at this point by XXXX, one of the 3 main credit bureaus, but not by Equifax, and XXXX XXXX ; 11. The credit score from XXXX reflects, that XXXX is backing up their response sent through this C.F.P.B. portal, which is also included here as evidence ; 12. I am also including my most recent credit score from XXXX XXXX, as of today, XX/XX/XXXX, which shows my credit score as seriously affected and low.
with just XXXX points ; is a completely different score to the one provided by XXXX, which came after I received XXXX Response through the C.F.P.B. portal, and my XXXX Score from yesterday, XX/XX/XXXX is XXXX points, which XXXX points more tan the score provided today, XX/XX/XXXX by XXXX XXXX.
13. I am including more evidence about the unfair reporting source of this 2 accounts, XXXX XXXX XXXX response, received through this CFPB portal in which she unfairly asks to dismiss my complaint, no matter that actions clearly violates the Fair Credit Reporting Act, and this woman knows for sure the unfair consequences.
14. I also include evidence, that XXXX XXXX, a company specialized on free credit reports, see XXXX XXXX XXXX, is currently reporting that I fell behind in payments at XXXX XXXX ? that is not true, but the problem iXXXX XXXX XXXX is violating the Fair Credit Reporting Act, and that XXXX XXXX XXXX, the attorney that Bank assigned to my Case, does not recognize that this account has to be updated with current information.
15. XXXX XXXX XXXX XXXX actions regarding my accounts with them are violating The Fair Credit Reporting Act,15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
16. I have no means to file another lawsuit easily, while I am still representing myself at the U.S. District Court as a Pro Se Plaintiff, due to all the damages provoked by my unfair suspension from the same job I recovered back in XX/XX/XXXX ; 17. Equifax and XXXX XXXX should recognize the evidence included, which is verifiable, and send an real response like XXXX  did : see the evidence included.
18. My date of birth isXX/XX/XXXX, notXX/XX/XXXX, I am unable to update the date here at the same complaint.

Company response to consumer: Closed with explanation