Consumer complaint received 2015-06-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax will not correct errors that they placed on my credit report. I have XXXX Student Loans XXXX (Account XXXX). Equifax is reporting that I have XXXX loans. A few weeks ago they were reporting that I have XXXX student loans, so I disputed the XXXX loans opened in XX/XX/XXXX. Equifax did not remove them, despite the fact that I provided them my Loan Verification letter XXXX. Equifax instead, listed those XX/XX/XXXX loans again, making my credit report now show that I have XXXX student loans. This brought my score down. My credit report by Equifax, is showing that I have XXXX unsubsidized student loans opened XX/XX/XXXX with XXXX loans having a balance of $XXXX (adding $XXXX of debt to my credit report). They are also showing that I have XXXX subsidized loans opened XX/XX/XXXX, with these XXXX loans having balances of $XXXX each, (adding an additional $XXXX of debt to my report). Not only are these accounts showing up multiple times increasing my debt amount, but they all have a note saying I missed a payment. So my credit report shows derogatory remarks for all XXXX of these accounts and notes that I missed a payment when I don't even have these accounts. The XXXX loans that I actually do have XXXX are also being reported by Equifax; they are being reported correctly on my report and were opened XX/XX/XXXX and XX/XX/XXXX. When I XXXX disputed the information with Equifax, they did not send me an email confirmation of my dispute. A week later I tried to check the dispute online and was not able to. A message came up telling me to send a copy of my Driver's License to them. I did that with the dispute form as requested. I still did not receive the confirmation number for my dispute. Instead, when I went online to check my credit report, they had XXXX more loans added to my credit report, with notes saying, "Consumer disputes items." I was also not able to check my dispute online. I called XXXX about the issue and they told me there is no reason Equifax should have seven loan showing on my report. They told me that as long as I send them the Verification Letter which they provided to me, the error should have been corrected. It was not. I am trying to improve my credit score to get pre-qualified for a home mortgage. Lenders heavily rely on the information reported by the XXXX major credit bureaus in order to determine if a person qualifies for a loan. That is why the information should be accurate and up-to-date. Equifax is causing me extreme stress right now by reporting inaccurate information on my report, by not allowing me a way to communicate with them or check my dispute status, and by adding things to my credit report instead of fixing the problem. I would appreciate it if someone can look into this, and find out why disputed information would show up as a new account on my report increasing the amount of loans that I have. Instead of being looked into and removed. Equifax is the only credit reporting agency that has this information wrong and I don't understand it.

Company response to consumer: Closed with non-monetary relief