Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have attempted to dispute an inaccuracy on my credit report several times, and each time, Equifax has continued to update my credit report with demonstrably false information. 

Creditor : XXXX XXXX XXXX Credit Bureau : Equifax Issue : This account was paid in full and closed in XX/XX/XXXX, with my final payment recorded on XX/XX/XXXX. While reviewing my credit report in preparation to prequalify for a mortgage, I noticed that Equifax, XXXX and XXXX showed that I missed a payment on this account in XXXX XXXX month that I paid my auto loan in full. 

I filed a dispute with all three bureaus in XXXX, XXXX. While both XXXX and XXXX updated my credit report accurately, Equifax has continued to introduce new inaccuracies with each dispute. The record of disputes I've filed with XXXX and XXXX is as follows : XX/XX/XXXX : Equifax dispute confirmation # XXXX Disputed inaccurate payment history showing that I missed a payment in XX/XX/XXXX- the month I paid off my loan in full. 
Result : On XX/XX/XXXX, Equifax responded by removing the XX/XX/XXXX missed payment, but replaced it with a NEW missed payment in XXXX XXXX months after my account was paid in full and closed. 

XX/XX/XXXX : Equifax dispute confirmation # XXXX Disputed the record of a missed payment in XX/XX/XXXX, which is demonstrably inaccurate given that my loan was paid in full and the account was closed in XX/XX/XXXX. 
Result : On XX/XX/XXXX, Equifax failed to remove this inaccuracy. They responded with the following " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' XX/XX/XXXX : CFPB Complaint # XXXX Filed a CFPB complaint against XXXX, XXXX that they properly review the dispute and rectify the inaccuracy in my payment history. 
Result : On XX/XX/XXXX : XXXX responded via the CFPB platform, alleging that they have no record of a dispute being filed. They supplied me with documentation showing that my loan was paid in full on XX/XX/XXXX along with a letter indicating that my account should appear as " Status : Paid/Closed/Current as of XX/XX/XXXX, with no delinquencies reporting. '' XX/XX/XXXX : Equifax dispute Confirmation # XXXX I reopened the dispute regarding the record of missed payment in XX/XX/XXXX and uploaded additional evidence. 
Result : On XX/XX/XXXX, Equifax responded by removing the XX/XX/XXXX missed payment and introducing new inaccuracies. In response to my last dispute, Equifax reintroduced inaccuracy I had originally disputed ( a missed payment in XX/XX/XXXX ) and also recorded a NEW missed payment in XXXX XXXX YEARS after my account was paid in full and closed. 

Reporting I missed a payment XXXX YEARS after my account was paid in full and closed in good standing is an egregious mistake and is a clear violation of the Fair Credit Reporting Act. Inaccurately reporting that I missed a loan payment last month has caused SIGNIFICANT damage to my credit score, which has plummeted overnight. I am in the process of applying for a mortgage and this blatant, egregious mistake will jeopardize my ability to qualify for a mortgage and qualify for the type of mortgage rate I should have otherwise qualified for. 

I attempted to contact Equifax via phone yesterday in an attempt to resolve this situation, only to be directed to a call center employee who informed me that my only option is to file a new dispute. As a result, I have had to file a XXXX  dispute with Equifax ( Confirmation number : XXXX ) to have these inaccuracies removed, but I no longer have any faith that my concerns will be adequately addressed without further action on my behalf. 

I respectfully request that Equifax remove these inaccuracies from my credit report.