Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Making one final attempt for XXXX Bank to do the right thing before legal action is sought. They closed the account after it was reposted lost on my end long ago. They also further advised account was zeroed out and continued to bill me thereafter. 

Account was placed in dispute status and they enrolled in covid disaster assistance for two consecutive billing cycles XXXX and XX/XX/ 2020 so they said however they continued to report the credit bureaus. 

I made a payment to pay the account in full with a live rep at the end of XXXX. At that time I advised I was still very much disputing but I dont want to deal with anymore because there are too many errors. I asked if it was determined I am rightfully entitled to the money would I receive money back the rep advised absolutely. 

I also asked that she confirm the account was being rectified since it was reporting errorneously she again advised that yes they were just severely back logged please allow up to two billing cycles. They then report me again for the month of XXXX. 

In response to documented disputes and proof submitted XXXX from the consumer team responded saying I was wrong they are right he considers my complaint null and void but ironically in the exact same correspondence states account was paid in full XX/XX/XXXX no XXXX it wasnt it actually cleared my bank account completely on XX/XX/XXXX it was paid in XXXX. 

Additionally I was not even due for XXXX or XXXX because the account was enrolled in a covid and I confirmed this 6 times. You are also reporting 90 days past due which would be impossible because again this was covered by disaster assistance for XXXX and XXXX and even with your logic XXXX which is not accurate XX/XX/XXXX falls 30 days prior to that point. 

I called today Friday XXXX XX/XX/XXXX different reps confirmed the account was notated as in dispute and notated that it was covered by covid assistance for XXXX and XXXX citing this should absolutely not be reporting late at all and they were escalating. 

I have attached proof of payment and again this was paid with your rep in XXXX and I dispute this to its entirety I want my money back too I have been a customer for 8 years never once have I been late ever now miraculously during all this your company position is that I am 100 percent wrong you could never make a mistake despite me getting a different story every time I call my own banking showing proof that you are wrong. You stated you will not fix and you will not remove the trade line either. 

This is a paid off account and I was a loyal customer for almost a decade that was never late and I am absolutely disputing this. Im sure your company can do the right thing and save continued time and effort on both parts just be adjusting correctly or removing the trade line completely I will have to get an attorney and seek to get others I am aware with the same issues involved as well if not rectified Attached you will see that this cleared through my checking account at XXXX on XX/XX/XXXX the card was completely paid in full in XXXX during the XXXX months that you stated it was extended for covid Again my issue is that this is reporting 90 days past due actually scratch that it just became 120 days past due which is physically impossible considering this was paid off months ago and again I absolutely dispute e balance due the fees and the reporting FIX THIS

Company response to consumer: Closed with explanation