Consumer complaint received 2017-06-01
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 status incorrect

Complaint:
This is my third complaint to the CFPB about XXXX mortgage servicing company. In addition to complaints to the CFPB, I have also complained to all three credit reporting agencies as well as to the servicer of the loan XXXX. They have all acknowledged the problem each time and taken it off of my credit, however just as my credit finally begins to reflect correctly, XXXX will then re-age the same debt from years ago to reflect as if it is new. Equifax and XXXX despite having been repeatedly informed about these fraudulent actions taken by XXXX over and over again, continue to misreport and destroy my credit. I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. It was confirmed in XXXX of XX/XX/XXXX. My Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX was included in the bankruptcy. The bank was allowed payments under the plan of XXXX. I began making payments inXX/XX/XXXX. Up to this date there was no problem with my credit reporting. In XXXX of XX/XX/XXXX I received a letter informing me that XXXX was my new servicer and to start making payments to them, which I promptly began doing. I was under the impression that everything was going perfectly with my reorganization for the next year an a half. I had kept everything on time with my bankruptcy never making any late payments to any of my creditors. I then began the process of trying to get another mortgage. It was declined because XXXX was reporting fluctuating, with no apparent pattern, consistent late pay of 30, 60, 90 and 120 day. It also showed that it was a closed account, but that I was still paying late. Nothing made sense, yet they insisted they were reporting correctly. It ruined my credit at the time and I was denied the mortgage solely because of this misreporting. I promptly disputed with all three credit reporting agencies. I was informed that XXXX had confirmed that it was being reported correctly and my only option at that point was to contact them. I called XXXX. They confirmed that were are no missed payments but said there was nothing they could do. Finally after making a complaint to the cfpb they offered to correct the misreporting and to take any negative information off of my credit reports, which they did at the time. I recently pulled my credit and my score was lower than it should have been, given the fact I have never been late on any payment since the confirmation of the chapter XXXX. This was in part because XXXX was reporting past late but current which is still derogatory. I felt that it could be just an oversight and asked the for the account to be corrected. When I got the investigation results back, once again XXXX is fraudulently reporting the same thing they were reporting the last time before they " fixed '' the problem. My credit score immediately dropped XXXX points. The representatives have said there is no one to call, if I wanted them to look into it I would have to fax information and wait for a response. I asked to be sent an email to that effect and was told under no uncertain terms will XXXX communicate via email. I am at my wits end. I have done everything required by me and have abided by all of the guidelines set forth by my Ch XXXX, yet XXXX, even though I have paid as required has found a way to continue to defraud the system to continually ruin my credit. To date, because of this misreporting by XXXX which apparently they are not offering any way for it to ever be permanently fixed, I have been turned down for a mortgage and as well I have been declined a loan for a car. I have provided documentation proof of the misreporting on my credit, my bank roster showing consistent payments, and the bankruptcy treatment for this loan as per the confirmed plan. In closing I would appreciate any help you could possibly give to finally clear my credit of the false late pay reporting. Beginning in XX/XX/XXXXthrough XX/XX/XXXX, XX/XX/XXXX, and finally now into XX/XX/XXXX the same problem persists. I am now trying to get a mortgage. When the mortgage broker pulled my credit I was told that XXXX was reflecting negatively on my credit and that they were reflectin mis-information that would indicate a new bankruptcy in XX/XX/XXXX, which there was never any such filing after the XX/XX/XXXX bankruptcy. I was told there is no way for me to get a mortgage with this information on my credit. I have been turned down for loans, paid higher interest rates for cars, and now am in jeopardy of losing a bid on a new house because I cant qualify for a mortgage due to XXXX false reporting. My attorney has wrote a letter to the banks attorney which fixed the problem for a few months. They took the false information off of my credit and my credit went back into the mid XXXX 's as it should be. Then in XXXX the re-aged the same debt and my score immediately dropped by XXXX points into the mid XXXX 's. Given the fact that this has gone on for years and continues to reoccur, this is not a simple oversight. This is an intentional, cold, calculated maneuver designed to keep the mortgage holder in duress. Not only is XXXX responsible, Equifax and XXXX are equally responsible for their lack of oversight and followup. I have provided documents, however, I can provide you with any further documentation that you need.

Company response to consumer: Closed with explanation