Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm a current member of credit monitoring with all three credit bureaus and am having a very difficult time with disputing items and getting my report correct using Equifax. I have repeatedly disputed items using their online dispute system, attempted phone calls and written/fax letters explaining what I wanted/needed to happen with each account. Until recently, I felt completely helpless with this entire process, and within the past month I 've watched my credit score drop from XXXX to XXXX - last night it dropped almost XXXX points alone. 
This is because their dispute process is flawed and they have somehow duplicated accounts on my records, updated previous " stagnant '' information to reflect current reporting, and have somehow reopened a closed mortgage, showing that I have a payment due of $ XXXX are numerous accounts involved in my divorce in XXXX, which I was only attempting to enter a consumer statement on my account. There was also an identity theft case, which resulted in multiple credit card issues, and those accounts appear to be duplicated and triplicated on my report as well. 
I have attempted to contact them and have this resolved, but their customer service department is designed to make me the victim and tell me that I can only dispute items online and I must wait for the results. I 've done this, and each time my credit score goes down and information is incorrectly changed. 
When I subscribed to their service in XXXX XXXX, I began reviewing inaccuracies. At that time, my credit score was around XXXX. Not only have I brought accounts up to date, paid down my credit card balances, and have successfully removed XXXX illegal/fraudulent inquires - Equifax has somehow figured out a way to make my credit actually decline XXXX points in less than a month. Everything I 've done ( payments wise ) should have raised my score about XXXX points within that month. I have evidence on my score increasing from XXXX and XXXX. 
Instead, with Equifax , there 's nothing I can do to have these horrible inaccuracies removed altogether, or at least modified back where they were. I have spoken to several credit counselors and a lawyer, all who have said that with them updating the " Date Reported '' on my account, it shows it as current activity and will affect my credit. They say that I should have left them alone and not messed with them at all since most are about 6 years or older. 
The accounts in question : XXXX XXXX XXXX XXXX Account Number : XXXX Previous Date Reported ( XXXX/XXXX/XXXX ) Date Reported on Newest Credit Report XXXX/XXXX/XXXX ( This also appears to be a duplicate account on my report - and for some reason they will not delete this XXXX. ) XXXX XXXX XXXX XXXX Account Number : XXXX Previous Date Reported ( XXXX/XXXX/XXXX ) Date Reported on Newest Credit Report XXXX FEDERAL CREDIT UNION Account Number : XXXX Previous Date Reported ( XXXX/XXXX/XXXX ) Date Reported on Newest Credit Report XXXX/XXXX/XXXX ( This account is showing XXXX Days Past Due, when previous reports had it listed as " Closed ''. There is a {$0.00} Past Due amount and a Actual Payment Amount of {$230000.00} ) This was a foreclosure as a part of a divorce, and all I wanted was to put a consumer statement on this account. 
Status = ClosedActual Payment Ammount = $ XXXX Payment = $ XXXX Closed = XXXX Account Number : XXXX Previous Date Reported ( XXXX/XXXX/XXXX ) Date Reported on Newest Credit Report XXXX/XXXX/XXXX ( This account is closed and has a XXXX balance. Need to change Date Reported back to XXXX/XXXX/XXXX. 
ASSET XXXX XXXX Account Number : XXXX XXXX is the XXXX reference to the same account. Part of identity & card theft. XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation