Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Sent from Mail for Windows From : XXXX Sent : Thursday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Cc : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX Subject : RE : Breach of Trust By Equifax, XXXX, and XXXX Loan # XXXX Good afternoon XXXX XXXX XXXX  XXXX Credit Report : They are reporting that it was you who Violated the very Terms of Protections that we were Promised we had under the Financial Program, you and XXXX XXXX XXXX  Approved, and placed me and my wife under which is a Violation of our Privacy Rights, and the Mortgage Laws which Im sure you are aware of. It also Violates the Consumer Financial Protections Laws, and the Fair Debt Collections Practices Act, and the XXXX XXXX XXXX. 

Were consulting with our Family Attorneys at this time. This is an extremely Serious matter, and we urge you to take this matter in this way. Should we move forward, you will be contacted by our attorney. 


Thanks in advance, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX : XXXX Email : XXXX from Mail for Windows From : XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Cc : XXXX XXXX Subject : RE : Breach of Trust By Equifax, XXXX, and XXXX Loan # XXXX A DISPUTE XXXX XXXX XXXXXXXX Report date : XX/XX/XXXX Back Reported balance {$350000.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount {$6100.00} Account status Not more than XXXX payments past due Date reported XX/XX/XXXX Payment details Last reported Review your last reported payment information and click FILE A DISPUTE to continue. 
Account type Mortgage Account owner Joint Account Loan type XXXX XXXX XXXX XXXX XXXX XXXX  XXXX classification Mortgage credit limit High credit amount {$370000.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/XXXX Date reported XX/XX/XXXX Date of last activity Payment Details Months reviewed XXXX Date of last payment XX/XX/XXXX Deferred payment start date Scheduled payment amount {$3000.00} Date closed Actual payment amount Charge off amount Delinquency History Balloon payment date Date of first delinquency XX/XX/XXXX Balloon payment amount Amount past due {$6100.00} Date of major delinquency reported Comments Consumer Disputes Reinvestigation In Progress Payment status View your monthly payment status by year. Click Historical details to select a category and dispute specific information. 








Historical details Select a category to view and dispute specific historical payment information. 
Lender or creditor contact information XXXX XXXX  XXXX XXXX XXXX Pl XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Can I contact a lender or creditor directly? 
Disputes A new dispute can not be filed because a dispute is in progress or under investigation for this account. 
1. Privacy Policy 2. Terms of Use 3. Ad Choices 4. Equifax XXXX XXXX XXXX Licenses and Disclosures Copyright XXXX Equifax XXXX All rights reserved. Equifax and the Equifax marks used herein are trademarks of Equifax XXXX Other product and company names mentioned herein are the property of their respective owners. 

My suggestion is that you immediately correct, and investigate this matter at once. 
XXXX XXXX  You - XXXX XXXX  Sorry it's taking us longer than expected to reply. We will respond shortly. 
XXXX - XXXX XXXX I can understand your concern please check with them and if they have updated the information and still not update please raise a dispute. 

I would be happy to update it for you if i have the access to do it but am so sorry i do not have access to update this information. 
XXXX - XXXX XXXX XXXX. I'm requesting a " Dispute '' here from XXXX now! 
You - XXXX XXXX  Just to confirm you want to Dispute? 
XXXX XXXX XXXX XXXX  Absolutely " YES ''! I'm not sure of what your not understanding! 
You - XXXX XXXX  In this case I suggest you to Dispute : You can dispute items on your report via our online portal : XXXX : XXXX XXXX - XXXX XXXX  The " LATE '' Reporting of 3 Months " MUST '' be Disputed NOW! ASAP. 
Next, I need to know, what the Portal I'm on is not reading out to me all of my credit information, and score? 
You - XXXX XXXX  You mean for this : XXXXXXXX XXXX XXXX you want to Dispute it XXXX - XXXX XXXX  YES! 
XXXX - XXXX XXXX Sure Your patience is appreciated. I will be with you shortly. 
XXXX - XXXX XXXX XXXX 3 Months LATE! Yes! 
You - XXXX XXXX  Let me check that for you XXXX - Now Good morning Shellpoint Mortgage Servicing Above you will find the Equifax Credit Report Indicating you XXXX XXXX  Reported me, and my wife XXXX XXXX XXXX late after we were approved for A Repayment Financial Assistance which included no derogatory information to be reported to any of the 3 major credit agencies. 

Please explain to us in detail what happened Sent from Mail for Windows From : XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX. 
Cc : XXXX XXXX ; XXXX Subject : Breach of Trust By Equifax, XXXX, and XXXX Loan # XXXX Good afternoon, XXXX XXXX  XXXX XXXX XXXX This is XXXX XXXX XXXX, and XXXX XXXX XXXX. WE entered into, and was approved on a XXXX Assistance XXXX with XXXX to assist us with our loan. Before we agreed to the terms of this assistance our first point of contact XXXX XXXX assured us that our credit would not be affected nor would we be reported as late to any creditors or credit companies, just the opposite occurred with XXXX, Equifax, and XXXX whom all three somehow has reported both of us { 3 Months Late } while we were both under the protection of the XXXX XXXX XXXX XXXX XXXX. This plan was to end sometime in XX/XX/XXXX. We were then eligible for a new Payment Program for XXXX Assistance in XX/XX/XXXX but we sold our home on XX/XX/XXXX, and paid our loan off including all the state taxes prior to the ending of our initial first Financial Assistance that was approved, and agreed upon by all parties including both myself XXXX XXXX XXXX XXXX, and my wife XXXX XXXX XXXX. This agreement was somehow breeched because ALL XXXX XXXX Credit Bureaus to include XXXX, Equifax, and XXXX who all XXXX have reported Derogatory Financial Disparaging Credit Decisions on both of our credit reports which is affecting our credit scores on both parties. 

The question : How did XXXX, Equifax, and XXXX lean of this? Who or what informed them that we were possible or late on our Mortgage which under the terms of our XXXX XXXX, we would not be considered as LATE, period. 

Since XXXX, Equifax, and XXXX can only REPORT what is given or updated to them, the question is : DO they have a Biorythem or XXXX Intelligence that REPORTS regardless of a Creditor REPORT directly to them on current Loan Payment information? 
If this is the case, then this would be a Violation of LAW, and our RIGHTS of Privacy, and our Financial Information Ive instructed our family Attorney to review this matter, with the opportunity for XXXX Mortgage XXXX XXXX XXXX XXXX to review this matter internally, and find out what broke Down, and how the XXXX Major Creditors could violate our personal, and financial rights. 

At this point, we dont hold Shellpoint Mortgage XXXX XXXX XXXX XXXX fault but after the review has been completed, the area of responsibility XXXX need to be revisited regarding XXXX Mortgage Servicing to check it in fact you were indeed responsible for the breach of Negative XXXX XXXX XXXX XXXX ALL XXXX Major Creditors XXXX, XXXX XXXX and Equifax XXXX did place a call to XXXX Mortgage XXXX XXXX to the customer service center, and spoke with their Representative XXXX XXXX XXXX fully explained this matter, and issue directly to him, and made sure I asked if the call was being recording because it XXXX become part of a Legal Matter. I also explained to XXXX XXXX how I felt this matter XXXX play out in a court room with a Jury, and a XXXX. 

What we want : Want the agreement we entered to be ENFORCED with ALL of its said PROTECTIONS of our credit, and its reporting by not reflecting that we would be shown has LATE on our Mortgage while we were within the Legal Limits. And XXXX of that XXXX XXXX XXXX. No matter what happens, were not releasing any of the XXXX creditors listed above from Legal harm done to us, and will look to seek a remedy in a court of law based on our XXXX assessment of this possible case. In the meantime, we want everything to be corrected at once asap. We understand that XXXX XXXX between the XXXX, and XXXX of each month, and this report is what XXXX, Equifax, and XXXX should, and must base their credit reporting on, what happened? 

We look forward to all of your answers. Should you need any additional information to resolve this issue, please respond by this email or phone call. We will be sending the credit reports containing the status of { 3 Months Late } by the XXXX Major Creditors listed above. 

Thanks in advance, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX PH : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX PH : XXXX Sent from Mail for Windows