Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern. I am writing in regard to XXXX and Equifax failure to investigate the erroneous account that is reporting onto my credit report. 
My initial contact with the XXXX, Equifax and XXXX was on XX/XX/2023. After reviewing my credit report, I noticed the account that was reporting inaccurately and requested that the account be removed. 
XXXX and Equifax sent me the results of the investigation and stated the information was accurate however it was not. I then wrote the XXXX and Equifax again on XX/XX/2023 asking them to please reinvestigate the account because after thoroughly reviewing it the information was still inaccurate. 
I received the results of my second investigation request from them on XX/XX/2023 and yet again, they stated that the account was settled in the notes please see the screen shots. 
I received an email from XXXX today XX/XX/2023 advising that my credit dispute report was ready. I logged into the XXXX website, clicked to open the dispute report only to learn the dispute report wasnt available. When I click in the yellow highlighted field, there was a note advising that I didnt provide anything different therefore they wont dispute, but if you have XXXX provide to you the dispute report I submitted on XX/XX/2023 you will see that not only am I disputing the status of the account but also a new error which was the balance and provided the supporting documents. When I pulled my credit report on the XXXX website, the balance was updated. If you request, they provide you with the credit dispute and reports from XX/XX/XXXX and XX/XX/XXXX you will see the balance has been changed by someone from XXXX. But lied on the message from the XXXX Specialist stating Send item already matches dispute request. Dispute Report XXXX and XXXX are not the same. XXXX updated the balance to the balance I pointed out as an error in dispute XXXX but the XXXX Specialist lied saying I send item already matches dispute request and refused to reinvestigate. They also updated the balance using the Post Settlement letter sent with dispute request XXXX which was not included in original dispute XXXX. I even included in dispute XXXX that I would report them. I dont have an issue with As you can understand, I was very confused at this point because after auditing my credit report once again, the information that I disputed was still reporting inaccurate, yet the XXXX and XXXX shows the account as negative. The balance that shows on both the pre and post settlement shows {$12000.00}. However XXXX and Equifax are reporting {$12000.00} and my last payment made to XXXX of {$580.00}. 
After reviewing my credit report yet again, I found that the account ( s ) were still not accurate. Therefore, I requested yet again another reinvestigation. 
After several attempts to get the erroneous information removed, absolutely nothing has happened. My credit report and credit reputation is in pure shambles due to the XXXX and Equifax negligence. I am depressed, frustrated, and I am constantly wondering what my current creditors think of me and what my financial future looks like because this inaccurate information is having a negative impact on my credit report and may cause me denied credit in future. My future. 
I am writing you because my back is against the wall. I have no other options. I really need your help. 
I am aware of the tens of thousands of complaints against this credit reporting agency for their neglect when it comes to investigating consumer disputes, specifically in my case. I am requesting that Equifax and XXXX is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any all inaccuracies from my credit report. 
This is causing serious harm not only to my ability to establish credit and provide a life for my family, it has caused a huge mental strain on my credit reputation. 
For your convenience, Ive attached all correspondences that Ive had with this company. Anything else you need from me or would like for me to do, Ill do it... just let know. 
Thank you for your immediate attention to this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation