Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: FL
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:
Dear Sir or Madam, For the last 9 months I have contacted my mortgage company, XXXX on 6 separate occasions requesting them to correct, incorrect reporting on all 3 of my bureau reports. I subscribe to a service that allows me to monitor all 3 of my reports and shared this information on all occasions with XXXX. 
1. As of XXXX, XX/XX/XXXX I spoke with XXXX from XXXX to discuss the problem on my account # XXXX, which reports a 90-day delinquency in XXXX of XXXX from XXXX, a 90 day delinquency in XXXX of XXXX from Equifax, but no reporting from XXXX. I also uploaded a letter to their site outlining the call. 
2. XX/XX/XXXX, XXXX-uploaded a letter on their website requesting that they correct the reporting. I saved a copy. 
3. On XX/XX/XXXX @ XXXX I sent XXXX an email to their XXXX site, requesting corrections and attached copies of my credit reports and my spouses who is a co-borrower. On XX/XX/XXXX I received a template email that it had been received. 
4. On XX/XX/XXXX@XXXX I emailed them again requesting a response and correction with no response. Template email received 5. In early XXXX, I uploaded a 3rd letter with copies of my credit reports to support my dispute of incorrect reporting. 
6. I received a letter dated XX/XX/XXXX form XXXX stating that they had tried to contact all 4 credit bureaus but could not confirm whether any delinquencies were reported by the credit bureaus as our reports were masked due to the Chapter XXXX bankruptcy. I sent them copies from all 3 bureaus. 
7. XXXX XXXX I contacted XXXX and spoke to my representative XXXX to follow up and she had no answers for me. 
8. On XXXX XXXX. I sent yet another email to their customer service email address with copies of my credit report with no response to date. 
CREDIT DISPUTES 1. In XXXX I sent a letter of dispute via certified mail to each credit bureau. I received responses from 2. 
a. XXXX  XX/XX/XXXX ( report XXXX ) reported Open/Never late for my XXXX mortgage bXXXX Equifax XX/XX/XXXX ( XXXX ) Late 90 days delinquent, verified by lender c. XXXX-No response but my credit report states Late 90 days 2. On XX/XX/XXXX I sent a second round of disputes to each and have not received a response to date. 
3. My spouse ( XXXX XXXX XXXX XXXX ) and co-borrowers credit is reporting current for all 3 bureaus.

Here is where it gets somewhat convoluted. My spouse ( co-borrower ) and I filed a Chapter XXXX bankruptcy in XXXX of XXXX due to my XXXX XXXX medical bills and entered into loan modification with XXXX. Our original loan with them was account # XXXX. After the loan modification we were issued a new loan # XXXX. Both bureaus have the loan numbers mismatched. 
Respectfully, I have tried phone calls, emails, uploading and certified letters with only 1 response from XXXX, which I believe to be fraudulent as we are all abele to access the credit bureaus with a 60 day delayed response. My spouse and I have been working very hard to increase our credit scores so that we may refinance and seek another lender. I believe XXXX is aware of this and is purposely stalling and being non-responsive. 
Lastly, we have contacted all 3 credit bureaus and they have not made any changes per the lenders confirmation. 
Please correct my report to read as current. 

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation