Consumer complaint received 2017-06-10
Company: EQUIFAX, INC.
State: WA
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:
My husband and I have been disputing serious error reporting to all   XXXX    bureaus with    XXXX   XXXX   be fore the end of last year. No mortgage at all showing on  XXXX , and serious delinquent status on both Equifax and  XXXX . Finally after  a  XX/XX/XXXX      disp ute the information was updated. My score went up  XXXX  plus points in a matter of days. Then poof within weeks it was gone again. Payments that we had made on time vanished, my husband 's report was showin g 60-90  days late. I kept disputing, with Equifax and  XXXX  and in  XX/XX/XXXX  still nothing had been reported to  XXXX  that we even had a Mortgage payment. Each investigation yielded nothing wrong on  XXXX   XXXX  part. In   XX/XX/XXXX   I actually received a letter from  XXXX   XXXX  stating the same fact, there is nothing wrong with the reporting. Meanwhile our rates on everything have skyrocketed because they were trashing our credit. I kept up the the disputing and finally I called  XXXX   XXXX  again and went off about how much I have cried and how much they have been costing us. So they connected me with the  executive  division on escalating problems. It was finally discovered that there had been an accidental suppression on our credit report in  2014 . Oops, according to the written documentation they had contacted all  XXXX  bureaus on  XX/XX/XXXX    to lift the suppression. But that did not happen, i watched our credit score and then I called all  XXXX  bureaus and confirmed they had never received any such documentation from  XXXX   XXXX . The only update was that we were " current '' but as of this day, they are still not accurate and have not been fixed. I finally had received a letter from  XXXX   XXXX  stating that their investigation was complete and we still had to wait 90 days for everything to update. Meanwhile I just received a notice that our car insurance which once was {$110.00} a month with   XXXX   XXXX   XXXX   in    2014  has now increased to {$150.00} a month after I called to lower the coverage because our rates kept going up. Homeowners insurance same thing, was  XXXX  a year and now is over {$1400.00} a year. So as of this date I still do n't show on my credit monitoring services that I have even made a payment for almost a year now. Even though   XX/XX/XXXX  payment was just made on   XX/XX/XXXX . I  have submitted all the letters from  XXXX   XXXX  stating it was their fault and banking proof the payments had been made with copies of transaction codes whom the payment was going to and amounts. Still they will not fix it until they receive it from  XXXX   XXXX . Equifax is the worst, I had collections items that had been paid off in the middle of   XX/XX/XXXX   and they are still showing open and unpaid. Even submitting copies of paid checks does n't make a difference.  XXXX  was actually caring and concerned enough about this gross of an error they actually placed a call to  XXXX   XXXX  directly and we had a  XXXX  way conversation. Only to hear more excuses from  XXXX   XXXX . This is not the only problem we have had with  XXXX   XXXX , I have voiced concerns about our escrow balance. Our property taxes and homeowners insurance total a little over {$3600.00} a year but at the end of last year end of year balance was well over  XXXX  yet we were negative in escrow. We did receive a check last year for  XXXX  from them with an apology for being a victim of  one  of their " issues '' they have recently been having. Recently we also received a check for {$18.00} as part of the class action lawsuit. We are trying to sell our house and move, ca n't do it until their errors are fixed. Considering taking legal action against them and the credit Bureaus that wo n't correct the mistakes on our reporting even with documentation. The financial stress not to mention the emotional distress of spending countless hours trying to fix this and our credit.

Company response to consumer: Closed with explanation