Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: TX
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 have sent several letters to Equifax in regards to a mortgage account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all sent certified /priority mail that should have been removed/deleted from our credit report.That account is way over statue of limitations and should have been removed over a year ago. 

We had a house fire back in XXXX, and was advised to stop payment on our mortgage through XXXX from our attorney because of our hardship and litigation that was going on at the time. This information was sent to Equifax including a letter from our attorney. That was done immediately so the date of first delinquency is XX/XX/XXXX posted XX/XX/XXXX. 
. 
This mortgage was later sold and transferred to XXXX in XXXX. Equifax was reporting both accounts at the same time which is double Jeopardy. It took me several attempts to get the original removed, however Equifax still reports only from the new mortgage company. The information and dates are not from the original mortgage dates only when this account was transferred. 

Since then I have also contacted the mortgage company XXXX on XX/XX/XXXX which Equifax gave me the information to contact them, I sent multiple letter to address given and all address from XXXX website and got no reply. 

On XX/XX/XXXX I contacted Equifax with paperwork showing that the mortgage company never responded. I sent Equifax all documentation in regards to that, their response is account verified. How can they verify an account with in accurate information? XXXX never responded to me for requests of documentation and errors on their reporting so how can Equifax claim they verified it? I Have asked Equifax several times for all their documentation supporting the verification that theyre supposed to keep on file to show how they verify that account.They have never provided any documentation per my requests. 

I have also contacted XXXX XXXX and XXXX, and both credit agencies have since removed that account after their investigations. I sent Equifax all that documentation also and their reply yet again is still that the account is verified. How could two out of the three credit agencies do an investigation and come to the conclusion that this account should be removed, but Equifax keeps claiming that they verified it.Equifax has also sent me alerts when XXXX & XXXX XXXX removed the account. 


My last attempt was on XXXX XX/XX/XXXX to remove the account Again with all documentation provided.. Once again all they did was update more inaccurate information and re-aged the account and also claim that this in accurate account is verified This issue with Equifax has put my family in a huge financial strain, additional hardship, Physical and mental stress over something that couldve been fixed a long time ago. Without this removal we can not purchase or rent a house, can not get loans, can not get any financing for my sons college. It is not fair the Equifax continues to get away with their shady practices, and it is only for the creditors and not for the consumers. And to top it off our Social Security numbers is part of their security breach. If we cant fix something that is right in the face with factual information if somebody uses our Social Security numbers we Will never be able to get it fixed through Equifax with the way they run their company.

Company response to consumer: Closed with explanation