Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am filing a disputed account with Equifax through the CFPB, because I am currently XXXX in XXXX and my disputes have always been returned as verified by the Creditors, no matter how much documentation I provide. I filed a lawsuit against several of my Creditors for the disputed adverse information reported to the Credit Reporting Agencies and all of them denied that they had been contacted by Equifax in Court documents. I dispute that my payments were delinquent in XXXX on the XXXX XXXX account ending in XXXX and that the account was wrongfully charged off. I was a XXXX XXXX serving on XXXX XXXX from XXXX XXXX until XXXX XXXX. The XXXX account was in XXXX XXXX, and I had 21 % APR on my {$490.00} pre-service obligation, I requested the SCRA XXXX XXXX in XXXX XXXX. XXXX ( a ) to limit the interest charged to a maximum 6 % APR during the period of my XXXX XXXX military service by mail and by Faxes with copies of my orders several times. 
XXXX claimed that they had n't received copy of my orders and had increased the interest charged to a 26.99 % APR, then a 29.99 % APR, they did n't grant my SCRA request until XXXX XXXX, and removed all of the adverse information filed with all three Credit Reporting Agencies throughout the whole period of my military service. XXXX adjusted the {$780.00} balance for XXXX account in XXXX XXXX, but only for the {$110.00} interest charged in XXXX and XXXX of XXXX. XXXX sent a letter dated XXXX XXXX, XXXX, stating no payments were required on the XXXX account until XXXX XXXX, XXXX or until I was released from XXXX XXXX. 
I had asked that XXXX adjust the remaining {$670.00} balance on the XXXX account several times for all of the interest charged at the 21.00 , %, 26.99 %, and 29.99 % APR, and interest charged, as interest is defined in App. XXXX ( d ) for the purpose of the XXXX, to include any late fees, return check fees, and service fees, because I was charged several of these fees during the period of my military service between XXXX XXXX and XXXX XXXX, which rapidly increase the {$490.00} pre-service obligation, despite all of the payment I was making. If XXXX had properly adjusted the XXXX XXXX account ending in XXXX for the interest and fees charged back to XXXX XXXX, as the XXXX provision of App. XXXX ( a ) requires, the remaining {$670.00} balance would have been a negative {$12.00}. I provided XXXX copies of all of my orders during my period of military service on their SCRA website. XXXX knew that I was XXXX to XXXX on XXXX XXXX in XXXX and that in XXXX XXXX my XXXX was extended until XXXX XXXX. I did n't know that the XXXX account was reported delinquent and charged off before the payment was even due on XXXX XXXX, XXXX, but the {$670.00} balance that was reported owed for the XXXX XXXX account ending in XXXX since XXXX XXXX, was never properly adjusted for the interest charged as required and without my knowledge was charged off in violation the SCRA provisions of App. XXXX XXXX a ) while I was XXXX to XXXX on XXXX XXXX orders until XXXX XXXX.

Company response to consumer: Closed with explanation