Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
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:
I submitted a dispute to Equifax on XX/XX/XXXX regarding an account that was reported in error as late payment by XXXX. I attempted to call XXXX  to have this corrected and was not helped, I was told a supervisor would reach out to me regarding the late payment being removed. On XX/XX/XXXX I received notification my card was declined via email by XXXX support team and on XX/XX/XXXX I submitted an automatic payment with my bank card and my bank account information for it to be automatically withdrawn on the XXXX they did not withdraw the funds until XXXX. I am sure their is more than a 5 day grace period as I provided them my autodraft payments as it instructed me to do on the initial payment decline email attached to this dispute. I submitted all this information to Equifax and within 1 day it came back verified. How is that possible? They obviously did not investigate my dispute or review the email correspondence that was uploaded to the site or the proof that the autodraft had been updated within 5 days. 

XXXX had all access to my bank information to withdraw the funds and they didn't I had more than enough money in my account to cover the payment and instead they withdrew the funds late and reported it to my credit as a late payment. It is my prayer they will correct the error. I have called XXXX they refused to correct the error I put in a dispute to EQUIFAX they did not even take my dispute into consideration cause it would not have taken them less than 24hours to give me a generic response to my dispute. Equifax They also stated : I attached the response as well from " EQUIFAX REINVESTIGATION ''. If anything was " modified '' on my credit pertaining to this creditor after I disputed the account then it was not reported correct and therefore had to be " modified by Equifax ''. Equifax justifying any information " unrelated to my dispute has been updated '' which means their were errors or corrections or modifications that needed to be made regardless it was still reported in error. 

Updated disputed account information. Additional account information was also updated : The information you disputed has been updated as well as other information on this item. 

Disputed information accurate. Updated account information unrelated to the dispute : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. 

Consumer 's dispute not specific. Consumer Information verified. Account information updated : Information on your report has been updated. 


We have researched the credit account. Account # - XXXX The results are : - THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, Finally the account is still showing it is open and its been closed since XXXX reporting as an " OPEN '' balance with payment status as " NO INFO '' which is not true. This is a clear violation of FAIR CREDIT REPORTING on Equifax part. 

I attached a copy of Equifax alleged investigation. listed as dispute result I attached a copy of XXXX  email correspondence 5 attachments

Company response to consumer: Closed with explanation