Consumer complaint received 2015-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX I applied for an VA Mortgage Loan with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX uses Equifax Mortgage Services to complete their tri-merge credit reports with XXXX Equifax Credit Reporting Agencies. I been calling and calling XXXX XXXX with Equifax Mortgage Services at XXXX to no avail, I faxed and faxed time and time again and again evidence ( s ) for correction of my credit file whereby Equifax Mortgage Services may submit a supplement with Re-scoring of credit scores. To-date XXXX XXXX and her superiors with Equifax Mortgage Services have attempted to sabotage credit score and overall credit file. Equifax Mortgage Services ( 1 ) kept accounts on my credit file that were XXXX closed and over 10 years old that should have been deleted. ( 2 ) they spoke XXXX and added XXXX collections that I sent to Equifax Mortgage Services attn : XXXX XXXX, XXXX XXXX XXXX XXXX, showing {$1800.00} for which I do n't owe, XXXX XXXX XXXX for XXXX services totaling {$530.00}, I forwarded a letter from XXXX XXXX XXXX to XXXX XXXX whereby XXXX XXXX XXXX states that they 've removed this from my credit file, XXXX XXXX and her superiors never contacted XXXX but teamed up together to try to show me something as an XXXX XXXX Consumer by " fighting these rodden folks back '' these folks with Equifax Mortgage services XXXX. Also XXXX XXXX and XXXX teamed up together and refused to show my XX/XX/XXXX F-150 Truck with XXXX XXXX XXXX XXXX PAID - OFF with efforts of showing high DTI, high Installment debt, and to show for several month no payment history, see if these bast ... XXXX show three to four months of non-payment using the modal XXXX rather than PAID-OFF this is hurting my credit score. XXXX XXXX XXXX XXXX forwarded me a copy of Reporting vehicle PAID OFF back XX/XX/XXXX, now its XX/XX/XXXX, this is HURTING my XXXX credit score. XXXX XXXX, Equifax Mortgage Services, XXXX and Equifax are reporting dispute on my credit report that killing my XXXX credit score, they think I do n't know this, but when ever a consumer has a dispute and its put on your credit report, its killing your XXXX credit score. I 'm still working with XXXX XXXX XXXX XXXX regarding VA Mortgage Loan, I 've communicated with HUD and personally going to office downtown XXXX for direct call by HUD to engage and assist me as an XXXX Veteran, XXXX. I 'm also calling on the media, XXXX, XXXX XXXX XXXX news, I 'm a member of the XXXX XXXX XXXX and I 'm working with our Housing XXXX of a leader, I 'm asking XXXX XXXX attorney for XXXX PUSH to submit letter demanding correction for me to RE-FI my mortgage with XXXX credit score with all three Reporting Agencies, Equifax XXXX XXXX XXXX these rodden folks think I do n't see what they are engaging, but I 'm a fighter for " Justice '', Final resolve Federal District court for FRAUD by the employees of Equifax Mortgage Services XXXX XXXX XXXX Equifax XXXX XXXX for altering, delaying, changing and out-right refusing to up-date submitted evidence of incorrect reporting of creditors information. Equifax Mortgage Services goal for the past 17 years has been to sabotage my credit report because I 'm an XXXX XXXX, I 'm XXXX, I 'm a XXXX Veteran, the balance of my home is {$88000.00} for which XXXX XXXX got upset when I demanded updated correction of balance with XXXX XXXX XXXX. XXXX XXXX further got more upset when I demanded the Removal of old Bankruptcy Public Records, case number XXXX because its been 9 years and 6 months, she threaten me that this would stay all of 10 years per the Fair Credit Reporting Act. Lastly, CFPB thanks for involving!!!!!!

Company response to consumer: Closed with explanation