Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XX/XX/XXXX, I checked my Equifax credit report and discovered a collections Account. 

According to Equifax, the Date of Delinquency was XXXX XX/XX/XXXX, and the Account status was " UNPAID ''. 

I filed a dispute and attached the payment confirmation email from XXXX XX/XX/XXXX showing the payment was made. 

On XXXX XX/XX/XXXX I received notification of Dispute resolution : THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DESCRIPTION *STATUS DATE *BALANCE *BALANCE DATE *LAST PAYMENT DATE. 

Due to the Corona Virus situation, Equifax offers weekly reports through annualcreditreport.com, so on XXXX XXXX, XXXX I checked my Equifax credit report and noticed that although the Status is listed as " Paid '', the Last Payment Date is listed as XX/XX/XXXX. 

Accordingly, I filed a second dispute, as the Last Payment was made in XXXX. 

In the Equifax dispute center, the 4 options were : 1 ) I paid this debt before this account went into collections. 
2 ) The balance or past due amount is not correct. 
3 ) This collection is included in my bankruptcy. 
4 ) I believe I am a victim of fraud or identity theft. 

I chose 2, as it was the closest. Additionally I added a comment specifying that the Last Payment date was incorrect, and to refer the payment confirmation email dated XX/XX/XXXX. ( I re-attached the payment confirmation email to this dispute ) On XXXX XX/XX/XXXX, I received the following Notification of Dispute Resolution : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. 

On XXXX XX/XX/XXXX I checked my Equifax credit report. The " Last Payment Date '' is still listed as XX/XX/XXXX. It seems Equifax ignored my dispute comment and my supporting document. 

On XXXX XXXX I filed another dispute, this time calling and speaking to a representative to make sure that there was no confusion. I explained very clearly that the " Last Payment Date '' was incorrectly listed as XX/XX/XXXX, when it had been paid in XX/XX/XXXX. 
The Equifax representative even confirmed that my previous dispute included the confirmation of Payment email from XXXX XX/XX/XXXX showing the payment was made. 

Last week I received a letter with the Notification of Dispute Resolution : WE HAVE VERFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECT, THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. 

On XX/XX/XXXX, I checked my Equifax credit report again. The " Last Payment Date '' is still listed as XX/XX/XXXX. 

In conclusion, despite filing 3 disputes and including evidence of payment from XX/XX/XXXX, Equifax has failed to correct the payment date on the account, and still lists the Last Payment Date of XX/XX/XXXX. Not only does it appear that the account was delinquent for an extra 3 years, but the incorrect date of XX/XX/XXXX is 5 days after I filed the original dispute on XX/XX/XXXX.

Company response to consumer: Closed with explanation