Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: IL
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:
1. On XX/XX/XXXX I submitted a dispute to Equifax credit bureau after noticing incorrect information on my report including a collection item from XXXX XXXX XXXX in the amount of {$510.00}. I attempted to submit the dispute via Equifax 's website but was given an error that said I had to call to submit the dispute. I immediately called Equifax 's dispute department to submit that dispute. I explained to the representative that I wanted to open an investigation for the collection item from XXXX XXXX XXXX because I do not recognize this collection because it is not mine. The representative completed the dispute request and stated that the creditor had 30 days to respond. On approximately XX/XX/XXXX I received a email saying that the investigation into my dispute request was complete and had been completed on XX/XX/XXXX. I logged into Equifax 's website using the link within the email and read that the dispute had been " verified '' and would not be removed from my credit report. It also stated in the results that I had not supplied a reason as to why I was disputing in the first place which is not true. I clearly stated to the representative when submitting the dispute that I was disputing be cause the debt does not belong to me. I stand by my dispute reasoning, as that collection item is not mine and Equifax has not done it's due diligence in accurately verifying that debt with the creditor, if at all. 
2. I have submitted disputes countless times to Equifax regarding a paid and closed loan from XXXX XXXX  which is still showing on my credit report as open with a balance of {$300.00}. I paid and closed this account back in XX/XX/XXXX. The other 2 credit bureaus reflect this fact. Equifax refuses to close it and update the payment history as paid, stating that the creditor " verified '' the information is accurate. I know this to be untrue as I have spoken to representatives from XXXX XXXX  at least 3 times over several months. They confirmed that they had reported to all 3 credit bureaus that my account was paid in full and closed and doesn't know why they won't report the accurate status of the account. Still, Equifax is reporting that account as open with a balance. The details on that account according to Equifax also says that I haven't made a payment toward that account since XX/XX/XXXX but doesn't show any late payments either. Everytime I submit a dispute to Equifax regarding this, I try to explain that it makes no sense that I would have a balance but not have made a payment in over a year but at the same time, not have any late payments. I keep trying to explain to them there are no more payments reported, good or bad because that account has already been paid and closed. Still, they respond after my dispute submission that information was " verified as correct '' and leaves it on my report. I also noticed with this account that they did not even report that a dispute had been submitted within the remarks section, as they do with other disputed items. 
In conclusion, Equifax has consistently violated my rights in accurately investigating or investigating at all disputes on accounts that I have submitted. I know this to be true because if they had, these items would have been removed and updated to their current status accordingly. I implore you to therefore open an investigation of Equifax and their unfair / illegal practices in this matter. I thank you in advance. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation