Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: LA
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:
On or about XX/XX/XXXX, I spent 1 hour, 34 seconds on a phone call to an Equifax agent or agents. With each new dispute that is filed with any of the three major Credit Reporting Agencies, it ties up my credit because it is risky business to either use existing credit or apply for additional credit while a dispute is in progress. My most recent dispute by phone generated an Equifax Confirmation Number, XXXX. I am not satisfied with the results of the latest dispute filed with Equifax which alleges that two of my creditors are contradicting both themselves and, me too. For example, recently I received a full file credit disclosure from XXXX  XXXX via U. S. Mail dated XX/XX/XXXX. To date, it is the only major Credit Reporting Agency that has my last payment dates correct for each of the creditors shown below. Therein, it is phrased Last Payment Made : XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX   account and Last Payment Made : XX/XX/XXXX for my XXXX XXXX Bank account. Not only do the Equifax file have the Date of Last Payment incorrect on the two credit accounts listed below but it has a suspicious uniform Date of Last Payment for both of the accounts as being the first of each month in succession, respectively. Am I to believe that two separate and distinct creditors uniformly and/or simultaneously made the same erroneous Date of Last Payment report to Equifax via legal transcription as shown under Equifaxs Date of Last Payment and as revealed under Equifaxs Historical Account Information? To the best of my knowledge, none of my payments to neither creditor listed below was ever paid on the same date of the month. But, nevertheless my payments to each creditor listed below was always paid on time. Whereas, the date format of XX/XX/XXXX is only partially accurate, the XXXX seem to be spelled out in the details because Equifax goes on to state that the Date of Last Payment is also XX/XX/XXXX on each of the below credit accounts, respectively. Yet, at the same time Equifax contradicts itself with the phraseology, XX/XX/XXXX No Data Available in regards to the XXXX XXXX XXXX  account for the months after XX/XX/XXXX. By the same token, Equifax is alleging that between XX/XX/XXXX and XX/XX/XXXX, a grand total of {$220.00} was paid on my XXXX account ; according to its detailed credit report sent to me via U. S. Mail. ( Ref : Equifax Confirmation Number XXXX dated XX/XX/XXXX ). In its current layout, the Equifax credit report ( s ) ( online and paper ) has the look of a rigged, taken over, micromanaged file. It wreaks of some aggressive, vicious hit person or persons because of the uniform, synchronized, inaccurate and/or missing payment date ( s ) shining neatly on my two credit accounts listed below. Thus, in its current condition, my Equifax file is easy pickings for sabotage by persons such as my ex son-in-law ( s ) and others ; one of which owes my daughter over $ 20K in arrears child support, according to a recent inquiry. He and/or they need to find some other way of paying my daughter what monies are owed to her. Threatening her life and/or taking over my personal credit, is not a luxury he or nobody else should try to possess.

1. XXXX/XXXX | XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation