Consumer complaint received 2016-06-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am very disappointed that the Equifax Representative continue to mispresent the truth when they providing the previous response and CFPB is not challenging Equifax in regards to providing responses and correspondence from XXXX XXXX through XXXX XXXX. Their response states : Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. It proves to me that Equifax can not admit that the wrong file date was enter on my Credit Report and if the Dispute Manager would read the attached letter this would be verified by the XXXX XXXX XXXX XXXX Cout record including a letter signed by the Clerk of Courts which is responsible for all admistrative matters. I challenge Equifax to do the right thing which is read the attached documentation which state the File Date is XXXX XXXX, XXXX and since seven years has lapsed, the Judgement should be deleted from my Credit Report which was done buy XXXX and XXXX Credit Bureau. 

I restate my case : Since XXXX XXXX, I been trying to have Equifax correct the File Date on a Judgement which was filed in the XXXX XXXX XXXX Court System on XXXX XXXX, XXXX. I have submitted ten online disputes and four or five hard copy letters with the required documentation signed by the Clerk of Courts. Each time Equifax send a letter the information ( File Date - XXXX XXXX ) has been verified. Last XXXX XXXX, I requested the inaccurate information be deleted because seven years of reporting has lapsed. Last XXXX, I sent the same information to XXXX and XXXX and XXXX Reporting Bureau removed the Judgement information immediately. Equifax continues to refuse to take action to have the information corrected and now it has been on my Credit Report seven months longer than it should have been removed XXXX XXXX. On XXXX XXXX XXXX, I called the Customer Service Number XXXX, I talked to a Dispute Manager XXXX ( no last name provided ) and he reviewed the attached letter and agreed that the information should be removed from my credit report. XXXX explain that his section only discuss the disputes with the customer, but they have no authority or authorization to actually remove the inaccurate information from my Credit Report. He stated that it is another department at another Equifax location that actually make requested corrections. All he could do was to file another dispute with the information in their files ( same as attached ). On XXXX XXXX, XXXX I received the same information that the information was verified ( no change which is attached ). When I talked to the Equifax Manager XXXX, I also stated that the XXXX XXXX XXXX XXXX XXXX Courts ( XXXX, Wisconsin ) said they have never received any written correspondence or phone call from any Equifax Representative regarding the accuracy of the Judgement information ( specifically the File Date of XXXX XXXX, XXXX ) which was referenced in all of my correspondence. What confirms the File Date is the Case Number which begin with XXXX which indicate the year the Judgement was file. The Case Number XXXX and can be verified online because it is public information. It has been very frustrating trying to perform Disputes online with Equifax because they have a number of blocks you are suppose to check on why you are disputing the information, however, there is no comment block where you can further clarify and explain the discrepancy on the Credit Report. Equifax numerous ( 15 responses ) refusals to make the required correction has impacting my ability to obtain financial transaction because of my concern the Negative information on my Credit Report is making my Credit Score lower than it should be.

Company response to consumer: Closed with explanation