Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
CFPB : PLEASE GIVE THIS YOUR FULL ATTENTIONI am writing on behalf of myself, XXXX XXXX XXXX. Beginning in XXXX I noticed many inaccuracies accounts and records on my credit report when attempting to buy a house and I am concerned at the manner in which Equifaxs is dealing with them. 

1 ) I called the company to dispute a 30 day and 60 day late showing under my XXXX account, which has been the primary reason for which my mortgage loan was denied. I was so upset I called and asked why they had not corrected the late payments after my mail-in dispute form and they gave me no options and no help. Then I called back the next day and it was already XXXX and I asked why this account was not corrected and why it had NOT updated in over two months and again they offered me no help besides telling me to take my concerns to the furnisher. After i refused they simply kept telling me to go online and start a dispute. They do not care and all they seem to want is to get me off the phone so i can forget about my concerns and drop it but i will not. I am a young man with a family and need to purchase my home and i can not believe i waited all of this time to dispute these horrible mistakes. 

2 ) I wrote them also, regarding a tax lien from XX/XX/XXXX that was filed in error much later. This lien was prematurely filed and they had not calculated the payments received in time which makes it invalid and illegal. This Lien is no longer in the Public Registrars Offices of California and I have written Equifax disputing it and they have told me that it must remain and yet they provided absolutely no documentation as to why and how. I called the Tax Franchise Board and was told that the lien was not on file and was filed in error on their part from an extension that was received in the year XX/XX/XXXX and that they had sent a " Invalid Lien '' report with instructions to remove the record off of my file to the XXXX bureaus in XX/XX/XXXX. I would like to understand how this was certainly verified and by whom because this is absurd. Equifax 's actions are not in concordance with lawful practices or professionalism. They keep sending me letters stating that they are within FCRA law but I consulted a para legal and i have been on the CFPB page and i see that there is no proof on an investigation and they simply initiated a dispute for a couple of days an then shut my request for a proper deletion down. I am monitoring their actions through my Equifax mobile app and they just bombard my file with so much inaccurate information that my life is falling apart. 

3 ) Also, I also disputed a false account on my credit file labeled under XXXX # XXXX, regarding an account from XX/XX/XXXX, that is over 8 years ago!!!! This account is not supposed to be reporting on my credit report, and Equifax only initiated a dispute for 2-3 days and sent me a letter that it was processing an then removed their investigation markers and said it met FCRA law and would not be removed. I have never been in collection nor have I ever had ANY notices of a collection under my name or social in accordance with FDCPA laws. How do you have the right to report this account and the refuse me a proper investigation and then claim it is verified yet provide me with absolutely no proof. Where are my investigation results? What is most shameful is that right when i disputed the accuracy and validity of this account your staff simply erased all of the information to " NO DATA ''. That seems very sneaky and cunning to me. Why erase all of the information but refuse to erase or validate the accuracy and completeness of this unlawful account? You are allowing this to re-report under my name each month and I have never known about it until now. This is not correct and not lawful on your part. I only had an account with XXXX wireless and I have settled all payments with them and only them. XXXX ill

Company response to consumer: Closed with explanation