Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
" XXXX  '' reporting to " CRAs '' are riddled with copious errors. Despite " Borrower 's '' multiple requests from XX/XX/XXXX through XX/XX/XXXX for " XXXX '' to repair the copious errors on the mortgage loan providers reporting to " CRAs, the errors remain. 

Most noticeable was the disappearance of the six ( 6 ) year Foreclosure Started ( FS ) notation on XXXX reporting to " CRAs. '' The FS notation was included in XXXX monthly reporting to " CRAs '' from XX/XX/XXXX through XX/XX/XXXX. The FS notation is in reference to XX/XX/XXXX, foreclosure, one week after " Borrower '' contacted " XXXX  '' on XX/XX/XXXX, requesting to speak to a supervisor about the questionable activity on Borrowers " Account ''. 

According to a XX/XX/XXXX conversation with " XXXX CSR, '' " XXXX '' allegedly rescinded foreclosure on XX/XX/XXXX. 

Provide Borrower XX/XX/XXXX, order to rescind foreclosure. 

Provide Borrower XX/XX/XXXX, intent to foreclose notification for XXXX lawyer. 

However, " XXXX '' did not remove the FS status from XXXX  CRAs reporting until " Borrower '' filed a XX/XX/XXXX, CFPB complaint in regards to XXXX  CRAs reporting, unrelated to FS notations. 

" XXXX '' caught the error in XXXX  CRAs reporting by accident and removed the negative monthly reporting after six ( 6 ) years. If " Borrower '' had not sent a complaint requesting XXXX " CRAs '' reporting be repaired, the XX/XX/XXXX FS notation would still be on " XXXX  '' monthly reporting to " CRAs. '' The subsequent noticeable discovery was the High Balance of {$170000.00} was not wholly removed from XXXX " CRAs '' reporting after " Borrower '' had sent QWRs establishing the {$170000.00} High Balance is not associated with " Borrower 's '' " Account ''. However, the {$170000.00} High Balance is reported throughout the Payment History of the XXXX  " CRAs '' reporting. Borrowers " CRAs '' Equifax Credit Report shows XX/XX/XXXX and XX/XX/XXXX Account High Credit to be {$170000.00}. 

" XXXX  '' XXXX XX/XX/XXXX response to " Borrower 's '' " CFPB '' XX/XX/XXXX complaint states, " XXXX  '' is obligated to furnish the " CRAs '' with accurate information. " Borrower '' claims " XXXX '' uses this line as an excuse to deny customer requests, but " XXXX '' does not practice the obligation of furnishing accurate information in reports to " CRAs. '' " Borrower 's '' XX/XX/XXXX, " CRAs '' Equifax Credit Report shows XX/XX/XXXX payment 30 Days Past Due ; XXXX XXXX  120 Days Past Due ; XXXX XXXX  120 Days Past Due, while no payments were made to " Account '' from " Borrower '' in XXXX. XXXX  CRAs reporting is inaccurate. 

" XXXX XX/XX/XXXX response to " Borrower 's '' " CFPB '' XX/XX/XXXX complaint states, " XXXX  '' is obligated to furnish the " CRAs '' s with accurate information. 

The information in " XXXX  '' reporting to " CRAs '' continues to be inaccurate after multiple requests by " Borrower '' to update XXXX  " CRAs '' reporting with correct information. 

" XXXX '' responded on XX/XX/XXXX, to " Borrowers '' XX/XX/XXXX, " CFPB '' complaint, stating, Although an error was made on loan, the responses did not provide corroboration a credit correction would be made as there was not an impact to the credit reporting. 

" Borrower '' holds to the argument ; one may surmise " XXXX  '' XX/XX/XXXX forgiveness and reversal of ALL past due fees and payments between XX/XX/XXXX and XX/XX/XXXX goes hand-in-hand with the removal of negative past due to payment statements on XXXX  " CRAs '' reporting for XX/XX/XXXX through XXXX. 

Remove ALL negative XXXX  monthly reporting to Borrowers CRAs reporting for XX/XX/XXXX through XX/XX/XXXX, immediately. 

Provide goodwill gesture removal of ALL negative XXXX  monthly reporting to Borrowers CRAs from XXXX through XXXX, immediately. 

On XX/XX/XXXX, " Borrower '' sent a CFPB complaint to " XXXX  '' communicating, XX/XX/XXXX credit reports for " Borrower 's '' " Account '' show XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments as being unavailable. However, a XX/XX/XXXX credit report showed XX/XX/XXXX payment as being on time. XX/XX/XXXX payment was made on XX/XX/XXXX. XX/XX/XXXX payment was made on XX/XX/XXXX. XX/XX/XXXX payment was made on XX/XX/XXXX. 

" XXXX '' responded to Borrowers XX/XX/XXXX, CFPB complaint on XX/XX/XXXX, through CFPB 's online portal. " Borrower '' did not receive a written response through the mail. However, CFPB 's '' website was down for repairs or maintenance when " Borrower '' went to read the response. 

" Borrower '' called " XXXX CSR on XX/XX/XXXX, to verify the payment dates " XXXX  '' had for the first four ( 4 ) monthly payments for XXXX when " Borrower '' was verbally accosted and refused service by " XXXX CSR. 

Provide Borrower audio recordings of conversations on XX/XX/XXXX, with two ( 2 ) XXXX  CSRs and XXXX XXXX. 

Provide Borrower with written transcripts of conversations on XX/XX/XXXX, with two ( 2 ) XXXX  CSRs and XXXX XXXX. 

Provide Borrower complaints filed on XX/XX/XXXX, by XXXX CSR and XXXX XXXX. 

" Borrower '' retrieved " XXXX 's '' response to XX/XX/XXXX, CFPB complaint on XX/XX/XXXX, when the CFPB online portal was operational. 

" XXXX  '' admitted that another error has occurred in XXXX " CRAs '' reporting, Our records indicate " XXXX  '' responded to three Automated Credit Dispute Verification disputes and provided the date of " Account '' information as of XX/XX/XXXX, which resulted in the payment history profile not being populated with the " CRAs '' beyond XX/XX/XXXX. 

We can confirm the XX/XX/XXXX credit reporting file was submitted to the " CRAs '' during the month of XX/XX/XXXX and your payment history profile will re-populate the XX/XX/XXXX through XX/XX/XXXX installments as current. 

The experiences " Borrower '' has had since working with " XXXX  '' to correct errors in XXXX " CRAs '' reporting have been just as stressful and angst-ridden as was the process of obtaining a prompt and correct answer from " XXXX  '' about the XX/XX/XXXX questionable " Account '' activity. 

On XX/XX/XXXX, " Borrower '' asked, " XXXX XXXX '' if copies of Account communication logs and notes could be obtained if " Borrower '' put the request in writing. 

" XXXX XXXX '' informed " Borrower '' that the only way to obtain the call records and notations was in a courtroom. To make sure " XXXX XXXX '' understood what " Borrower '' was asking. " Borrower, '' asked, " XXXX XXXX '' to clarify what " XXXX XXXX '' had stated. 

" XXXX XXXX '' repeated " XXXX XXXX  '' statement, informing " Borrower '' that " Borrower '' would have to go to the courtroom to obtain the communication records and notes for " Account. '' " Borrower '' questioned " XXXX XXXX over the phone on XX/XX/XXXX, about the truth behind the " XXXX XXXX statement. 

When pressed for a response, " XXXX XXXX stated " XXXX XXXX believed the statement XXXX be false but could not be sure until " XXXX XXXX researched it further. 

" XXXX XXXX never provided results of " XXXX XXXX research into Borrowers question. 

Provide Borrower audio recordings of conversations on XX/XX/XXXX, with XXXX CSR and XXXX XXXX. 

Provide Borrower with written transcripts of conversations on XX/XX/XXXX, with XXXX XXXX and XXXX XXXX. 

Provide Borrowers complaint filed on XX/XX/XXXX, by XXXX XXXX. 

Provide results oXXXX XXXX XXXX report into the legality of XXXX CSRs answer to Borrowers question.

Company response to consumer: Closed with explanation