Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the fact that Equifax is reporting inaccurate information to my credit file. This has been an ongoing problem in which I have filed a complaint recently. Today I reviewed my report and Equifax is indicating that as of XXXX 2015 the creditor for XXXX XXXX XXXX XXXX has reported my balance at {$100.00}. This is inaccurate and I have no clue where they received that figure from. I spoke with XXXX XXXX yesterday and was informed that they have reported my correct balance to Equifax at least 3 times as being {$41.00}. I spoke with Equifax and they informed me that they do have that balance. They also said that my file was split into XXXX files which I filed my original complaint about. Today my complaint is that Equifax reported a balance as of XXXX that was not given to them by XXXX. I sent in documentation to Equifax to support the correct balance and XXXX updated them as well. Equifax has neglected to report what was given to them. No one has contacted me from Equifax from the first complaint to reach out and inform me of what the plan to resolve the issue of my file being split in half would be. I am not satisfied with how Equifax is not speaking to me in reference to the first unresolved complaint and today have updated information that XXXX did not give them as of XXXX 2015. This issue is causing me grief and causing me not to be extended credit. I need resolution or a plan of action of how the issue will be resolved. Equifax refuse to discuss anything with me about a plan. I was informed by Equifax that they have no plan on how this could be resolved. This is unacceptable for a credit bureau to document in writing balances that they indicate as current and the creditor indicated that they did not give Equifax that balance. Secondly, I am disputing a dismissed bankrutct that should have been deleted from my report. I disputed this several times indicating that there was a filing issue with bankrutct. The bankrutct was filed in XXXX and later filed in summit. This inaccurate filing is cause for this to be deleted off of my report. It has been inaccurately on my report for 9 years. I sent Equifax supporting documents to this fact. I am willing to re- fax the documents to them again. They refuse to give me any information of who when and how this information was verified. This bankruptcy should be deleted off of my file because there was inaccuracy of how it was originally filed. If I received that document from the courts the third party that Equifax used should have received it as well. I need my file back into XXXX file, the bankruptcy removed from my file, and my XXXX XXXX XXXX XXXX credit card to report accurately immediately because these inaccuracies are damaging my overall credit report and worthiness to pay debts. Please assist me because I am getting no where with Equifax not even a phone call!!! In closing I spoke with Equifax and asked them if they remove the inquiries that were made during the time the report was reporting inaccurate would that solve the problem of the file being split. I was informed by the representative that if XXXX inquiries were removed that would solve the issue and the file could be combined into one file again. They refuse to do that to help resolve the issue. I informed them that Equifax informed me that the issue was resolved and that 's why I had XXXX XXXX pull my credit. They should remove the inquiry because they misinformed me about my report causing me to get the inquiry knowing that it was n't resolved. Furthermore, if removing that inquiry resolves the issue of the file being split they should honor the request to remove the inquiries that was made during the time the report was inaccurately reporting by Equifax. Please help Equifax will not discuss these issues at all with me.

Company response to consumer: Closed with explanation