Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My problem started with XXXX  XXXX XXXX selling or transferring my account held with them to account to XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, after it gave me a 3 month grace period for payment because of a government program for hurricane Irmas relief, by which I was affected. This happened on XX/XX/XXXX which was the only month I didnt paid the mortgage to XXXX  XXXX XXXX, by then I had planned to pay that missing month splitting the amount with the payments of XXXX, XXXX and XX/XX/XXXX. While this happened XXXX   called me in XX/XX/XXXX after I had made the first payment in XXXX and offered me another plan to extend the grace period until XX/XX/XXXX and deferred the payments missing to the end of the loan. While this happened I found out by XX/XX/XXXX that XXXX transferred or sold the loan to be managed by XXXX, By then XXXX  began to go after me for the payments missing as if there was never a program approved at the time, since they did not approved anything nor were they told by XXXX of this agreement, nor did they ever provide such to XXXX  the paper dodging had begun. It was then that I explained the situation to XXXX  when we started negotiations to fix the confusion created by XXXX and they offered to have a loan modification to help me with the situation as their only option. Doing this loan modification, XXXX  reported the payments done during the trial period as if they were never made as shown in the credit report for XXXX and last XX/XX/XXXX in which no payment was required when the loan modification was approved beginning the regular payments on XX/XX/XXXX. This is not counting all the time wasted by XXXX  sending me 3 different contracts to be sign after that on the approval, since the previous two had errors. 

During this time, I was making all payments as required of me, but they were not being reported. Each missed payment reporting onto my consumer credit files, and damaging my creditworthiness with them and all potential future lenders. The trail period with XXXX was reported as missing payments and this is not the case. I feel I have been abused in this process and given the run around, in the meantime my credit files have me listed in a derogatory manner on payment history and it affects me during this time of Covid19 to qualify for loans which I need. I have always made my payments on time and have always lived up to my obligations. I ask this agency to intervene on my behalf and offer the mediation which I need to bring this matter to the appropriate agency/person so that this is resolved. 
I am asking for a resolution in real terms, and have these multiple late history, which is factually inaccurate and a result of error or negligence either by Bank XXXX XXXX or XXXX XXXX XXXX. This is causing me problems and I am asking for more than the standard reply from both XXXX  and XXXX  which has to date done nothing to correct the matter which they created.

Company response to consumer: Closed with explanation