Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: PR
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:
As explained minutes ago Today, Friday XXXX XXXX XXXX to XXXX XXXX XXXX  XXXX Live Chat Representative, and as the included PDF File shows, this problem was provoked by XXXXXXXX XXXX XXXXXXXX XXXX, which was bought by XXXXXXXX XXXX XXXX XXXX, and now this account appears in my Equifax Credit Report as from XXXXXXXX XXXX, but the fact is, it was originated and Paid as Agreed, only to the original Bank, XXXX. 

That is other thing : no matter XXXX XXXX bought XXXX XXXX XXXX only, this credit card and the loan must be listed and described at the credit bureaus as originated and paid only at XXXX, so it complies with the Fair Credit Reporting Act, which requires precision and accounts to be reported correctly. 

My FICO Equifax credit score provided by MyFico website at {$59.00} for the 3 bureaus report, last XXXX XXXX XXXX, keeps showing my credit card originated at XXXX XXXX XXXX and paid only there, as with a balance of {$220.00} and as bad collections debt? no matter, evidence clearly shows that was the last payment I made in advance, which ended my certified payment agreement for this credit card only with XXXX, as the official XXXX letter clearly show, included. 

The included chat transcript, copied by myself and pasted at Word document, with a XXXX XXXX included, shown in XXXX the original language and XXXX, clearly show I tried one more time to go personally this time to XXXXXXXX XXXX, because XXXX does not respond, only saying XXXXXXXX XXXX is their legal representative in XXXX XXXX, but the fact is XXXXXXXX XXXX does not paid attention to this case, no matter it was brought to their attention last XXXX XXXX XXXX, and through e-mail, back in the year XXXX. No claim number was opened, no official response received, and no matter I explained one more time all this through their live chat, they simply wanted to start a claim after years of not paying attention? 

Is simply something, no matter that is not the fault of XXXXXXXX XXXX, but XXXX 's Fault, negligent on the part of XXXX XXXX : they can't provide a name or indicate someone we can visit personally, no matter after all this years, knowing my credit report is incorrectly and against the Law damaged by XXXX. 

After verifying my last message was without response at their live chat, and they just indicated to follow again? their procedure for filing claim, after years not paying attention here at the CFPB, and only waiting for the other part in this case XXXX, to respond, when they know XXXX is assigning XXXXXXXX XXXX to respond, no matter, this was the fault of XXXX. 

See the chat and the documents, once again, both Banks know wat is happening but the end result can't be my credit reports keeps showing I didn't pay when I paid, that is bad/collection account when is not true, it was paid directly to the original bank, XXXX, all payments of the agreement on time, but reported as late? 

and that there is a balance, when that was the last payment amount which ended the agreement. 

This an insult and against the XXXX by XXXX ; And unfortunately, is negligence on the part of XXXXXXXX XXXX 

See the documents, again, I was hoping to be able to visit an executive at the XXXXXXXX XXXX main offices, but that is not their procedure? 

Is incredible all this.

Company response to consumer: Closed with explanation