Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX Hello, I am writing about a dispute I have on my credit report. This issue is complicated, so I am glad to have access to this department.

I am in New York State. My mortgage was transferred from XXXX  XXXX XXXX to XXXX in XXXX. I have had this account for over 150 payments and have never been late. I have also never been late on any payment, for the life of my credit history. I have 3 mortgages and over XXXX in available credit and XXXX debt ( except student loans and mortgages ). I have a perfect credit score, which is intentional. I am a real estate investor, and my business depends on qualifying for commercial lending. 
The property with a lean through XXXX at XXXX XXXX XXXX XXXX NY XXXX is a duplex rental property. It was purchased by me, XXXX XXXX XXXX XXXX XXXX. My ex-husband was on the deed. We divorced in XXXX and we did a quit claim deed. The deed was transferred to me. Despite providing this document to XXXX several times, XXXX has not removed him. 

In XXXX, I opened my real estate business, XXXX XXXX XXXX. XXXX # XXXX. The deed for this property was transferred to the business. Again, the company did not change the deed despite providing proper proof of deed transfer. The property is not owned by XXXX XXXX, XXXX XXXX or XXXX XXXX. It is owned by XXXX XXXX, XXXX. I can provide the deed for proof if necessary. 
In XX/XX/XXXX, I hired my first employee for XXXX XXXX. XXXX XXXX was hired as property manager. His date of hire was XX/XX/XXXX. His job description is to manage properties and take care of day-to-day operations of business. He needed to be added as an authorized user to my recurring debt accounts, in order to take care of day-to-day business operations. 
Unrelated to this business change, I have been displeased with my business banking at XXXX XXXX XXXX XXXX for quite some time. My accountant has suggested XXXX Bank, which is has a reputation for a less cumbersome commercial lending process, which is highly necessary in New York State. I decided that since I was calling my creditors and adding an authorized user anyways, this would be a good time to switch bank accounts. It seemed like the perfect time. 

I switched from XXXX XXXX XXXX XXXX to XXXX XXXX  XX/XX/XXXX. I delegated the responsibilities of XXXX XXXX payments to XXXX XXXX. As the company can see, there were 4 attempts from employee to pay from XXXX XXXX XXXX and 2 attempts from new XXXX Bank prior to the 30 day period. No one from XXXX contacted myself or my employee before damaging my personal credit report. 
XXXX send a 30 day past due delinquent alert to the credit bureaus. I am in the process of commercial loan, partnering with two other businesses. This is a large project and many are relying on funding that I am securing through this new bank. My personal perfect credit score is necessary to secure funding. This negative report from XXXX has caused a ripple affect to many others. I am looking to have this inaccurate derogatory comment removed from my credit report. 

Please contact me at your earliest convenience. I am eager to have this issue resolved. 


Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXThe company had 30 days to respond to this dispute. They never contacted me. They did not meet requirements for fair credit reporting by ignoring my dispute. They did not respond to me by phone call or by mail in the required amount of time. This remark needs to be removed from my account.

Company response to consumer: Closed with explanation