Consumer complaint received 2015-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am writing to file a Complaint that the following information that XXXX XXXX and Equifax have on my credit report1 ) Equifax has re added this account back to my credit report XXXX XXXX BANK XXXX XXXX, XXXX Showing that it was past due for 30 Days only once back in XXXX and no payment history after that - this account is showing as a positive account on my XXXX and XXXX account -- I HAVE TALKED TO EQUIFAX ON GETTING THIS DELETED AND RESOLVED IN THE PAST AND IT WAS DELETED AND KNOW IS BACK AGAIN ON MY EQUIFAX REPORT ONLY ... 
XXXX ) Equifax XXXX XXXX XXXX Credit Card charge off account - settled in fullBack in XXXX during the purchasing of my house there was a Charge off Account on my credit report from XXXX XXXX Account Ending in XXXX that was settledMy Broker from XXXX XXXX / XXXX Bank and me Contacted Equifax - to see whether it was settle or not- we did - and they even got a hold of XXXX XXXX - and they ( XXXX XXXX ) stated that I had satisfied the debt - Equifax representative stated that he would consider making a goodwill adjustment to the credit reporting bureaus on our closed accounts and agreed to have this charge of deleted of my Credit Report as well as inform the other XXXX major Credit REPORTING AGENCIES TO REMOVED THIS CHARGE OFF - EQUIFAX -Did there part however is still showing on my Credit report from XXXX and XXXX3 ) Equifax XXXX XXXX I 'm distressed that the XXXX major Credit burrow have included the below information in my credit profile as derogatoryCITIZENS XXXX HOME XXXX XXXX item is inaccurate because for one me and my Brother went to XXXX XXXX back and opened an account WITH THE BANK So that the mortgage payment can be taken out automatically. They never send me out monthly statements - and when I received the phone call that the Payment was missed I advised the representative about my auto pay - she said she dint know what had happened and assured me that this was not going to affect my credit. I dont understand why there is a derogatory mark again for XXXX of XXXX on my XXXX, XXXX ... but nothing on my Equifax -- - I 'm beyond upset4 ) XXXX - Equifax XXXX -XXXX XXXX Card ending in XXXX When I pulled my credit report, and discovered that a late payment was reported on XXXX And XXXX of XXXX that time, I Was going through a financial Hardship - I had spoken to XXXX XXXX -- and they placed me on hardship plan - I was advised that this was not going to affect my credit report - which it did - they advised me to contact and dispute the information with the XXXX major Credit XXXX XXXX Witch I Did -I realize I made a mistake in falling behind, but up until that point, my payment history with them had been spotless. When I was able to get back on my feet, I quickly resumed paying my Bills and you can see that - let me reinstate - XXXX XXXX Assured me that this was not going to affect my credit. 
I ' would be extremely grateful if you could please look into my complaintI am very distressed that The XXXX Mayor Credit. have included that information in my credit profile due to its damaging effects on my good credit standing.- And they have made no effort to help me get this resolved As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation