Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Two issues were reported. I was given a final answer TWICE, on XXXX XXXX, XXXX and on XXXX XXXX, XXXX I was told that I absolutely MUST wait until XXXX for my Chapter XXXX Bankruptcies to be removed from my credit report. I told Equifax that both XXXX and XXXX had removed the Chapter XXXX BKs. Equifax told me that their " internal policy '' was different than the other agencies. I told them that was against the law but they do n't believe me. 
The 2nd issue was my XXXX home loan # XXXX appeared on my Equifax and XXXX but not on my XXXX until XXXX XXXX, XXXX when the situation REVERSED, my XXXX loan appeared on XXXX and DISAPPEARED from Equifax and XXXX. This is the home loan I filed the Chapter XXXX to take over and pay. My ex-husband got an XXXX XXXX, took my name off it, put his car in the loan and took off, stopped making payments and we got divorced. I paid as many of his debts as I could to keep a roof over my XXXX son XXXX ' head so XXXX would not be traumatized by the financial nightmare. XXXX told me and the organization HOPE that they were " processing '' my request to assume the loan but in fact they were doing a foreclosure that very day. I got a call from an attorney saying " I do n't know what XXXX is telling you and HOPE, but your house is up for sale this morning ''. I hung up on the 3 way call, put my son in the car still in his pajamas and drove to the attorney who had " interrupted '' the call where XXXX was lieing to me and HOPE and we filed BK 15 minutes before my house was to sell. I never once was late on a payment all those years and yet XXXX XXXX, who bought the loan and moved it to XXXX XXXX, then XXXX to manage, never let me assume the loan until XXXX XXXX. Year after year I had to endure " thank you for your payment, XXXX ... '' My name is XXXX XXXX XXXX. Every penny paid came from my bank account. I am the only one who has ever paid this loan. I felt like an indentured servant all these years, begging XXXX XXXX at XXXX bank to tell XXXX XXXX, then XXXX to let me have credit for paying this loan, that after six years of never being late on the loan XXXX abandoned, I ought to have won the underwriter 's trust. Now, to hear Equifax say their " internal policy '' requires me to be punished for the Chapter XXXX an extra year ... .I am writing to you for help. XXXX XXXX, who was frustrated that their request to have " derogatory status '' on TransUnion removed for a XXXX I paid for on time every month took a whole year, asked me if I ever heard of the CFPB. They told me I should contact you about the XXXX XXXX XXXX issue and the Chapter XXXX issue at Equifax because they did n't want to see me suffer yet another year trying to repair my credit report. XXXX worked so hard to get errors removed and they said this needs to be reported to CFPB. 
My XXXX son and I crawled from the wreckage of the housing crisis combined with a bad marriage that resulted in divorce with a horrific financial situation. Pro Bono attorneys told me I would not be able to keep my XXXX. I kept it and always paid on time. Real Estate agents told me I would not save our home and should " put your son away and get him back after you recover financially. '' I kept XXXX at home, in his own room with his toys undisturbed by the crisis. That home and the home loan are in my name. I have never been late on any payments since the divorce, since I took over the debts. I do n't deserve an extra year of punishment courtesy of Equifax 's " internal policy on chapter XXXX ''. Lord knows how many US Citizens pay too much interest to Equifax partners for personal loans due to this. I 'm paying XXXX 34 % interest on a loan I paid off yesterday and they are charging me interest TODAY and TOMORROW while the payment is being processed. That is probably illegal too.

Company response to consumer: Closed with explanation