Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received my updated report from EQUIFAX and UNFORTNATELY AGAIN. My report shows an erroneous error from Equfiax with reporting my data ACCURATELY. I have noticed my account information was NOT updated per the documentation provided directly with XXXX. I spoke with XXXX already prior to this compliant and they stated, XXXX, verified and send the correct and most updated accurate documentation to Equifax and should reflect the credit card statement sent to me as well. Equifax as a credit bureau, who is supposed to stand by being accurate and fair is not reporting my data correctly, fair, nor accurately is making it harder for people who has put extreme amount of effort to fix their credit. In my position, I am buying a house. I am in the last phase and getting a notification with the same account I disputed to update my account already with updated information. This is extremely frustrating Equifax is having a hard time keeping the account accurate which puts a negative impact my credit report from the neglect to keep the account up to date. My credit score DROPPED XXXX point to the this neglect. Due understand, just that neglect can make someone life much harder because it is not easy to gain points with your credit score. And from what I see, there is no way to reverse negative points from your credit score due to inaccurate reporting etc. 

Per FCRA, credit reports must be updated ACCURATELY every 30 days with the upmost CURRENT information. If any information is incorrect per the consumer, we have to right to dispute and obtain a fair investigation on the account. The XXXX  does not show the updated information, it STILL outdated over 60 days of data. Credit balance shows a PREVIOUS BALANCE not the updated XXXX from XXXX, Payment Status STILL DOES NOT REPORT THE CURRENT STATUS, Payment history STILL REFLECT NO DATA GIVEN, and the worst payment STTILL HAS A DASH. These categories are outdated AND INACCURATE. This backdated information has stalled my home buying process MORE THAN ENOUGH TIMES. This is violation on multiple occasions and should be fixed within bring the courts involved. Again, this is making my house buying process more difficult and my account is reflecting incorrectly. I have all the right to make a case about this, but I am trying to resolve it with Equifax. 

I have attempted to update this information SEVERAL times over with Equifax requesting for an update. In addition, to sending disputes to get my account updated, I have called as well. Unfortunately, none of the attempts has been successful, and the XXXX documentation has been ignored. Each time my dispute was complete, it only shows the creditor verified information but that can not be correct because the balance has stayed the same for 60 days, last payment status shows since XXXX XXXX  but my last payment was on XXXX XXXX XXXX  payment status shows " no info '', worst payment has a dash instead of data reported. 

This compliant to assist with holding Equifax accountable with appropriately and accurately inputting the documentation shown within my XXXX account PROPERLY. I have more documentation attached this compliant. XXXX documentation showing the credit statement balance and to make it easier to verify who I am I have my proof of identify attached and sent to Equifax. Communication showing the documentation came directly from XXXX. Credit Report showing the outdated information deflecting the most updated information from 30 days instead showing more than 60 days ago. Most recent payment to XXXX XXXX XXXX XXXX XXXX 

To resolve this incident ACCURATELY REPORT THE DATA FROM THE LENDER TO THE ACCOUNT per the documentation from XXXX provided. Please ....

Company response to consumer: Closed with explanation