Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I had an account with XXXX XXXX XXXX XXXX XXXX XXXX of The XXXX XXXX XXXX that went into collections in XXXX. This collection was bought by XXXX XXXX XXXX. I was never contacted by them. Instead I was contacted by XXXX who XXXX XXXX XXXX hired as a 3rd party to collect this debt. When XXXX contacted me, I obtained my credit report and contacted XXXX XXXX XXXX who was reporting this account on my credit report. XXXX XXXX XXXX denied ownership of this debt and directed me to XXXX for more information. I made a settlement offer with XXXX for {$370.00}. I made two payments, one  for {$180.00} on XX/XX/XXXX and one for {$180.00} on XX/XX/XXXX. I received a payoff letter from XXXX but when I asked about correcting my credit report they told me XXXX XXXX XXXX was credit reporting and I needed to contact them. I have called and emailed to no avail as no one will get back to me. I disputed this debt on XXXX and XXXX with the payoff letter I received from XXXX and this account was updated. I have done this with equifax as well but continue to struggle getting them to correct this error. I submitted an initial dispute with equifax in the middle of XXXX and I received information stating this investigation was completed on XX/XX/XXXX. However the investigation continued to report as still in progress and the only thing they updated was a {$0.00} balance. This account is still reporting as open on my equifax credit report. I called twice today to correct this as I was not able to file a dispute online as it says a dispute is already in progress even though it said it was complete almost 30 days ago. The first Equifax representative I spoke to today told me it was not done correctly because I didnt mail a copy of my drivers license and social security number to them in the mail and directed I do so. I told him I was not comfortable sending this in the mail and wouldnt as it was not required for any other bureau. I called back and spoke to someone else who told me I need to start a new dispute. I cant. It will not allow me to because it says one is in progress. This representative continued to try to rush me off the phone saying this account was reporting as closed and everything is okay.. After much debate and having him check the company who bought the debt, not the original debt owner, he confirmed XXXX XXXX XXXX was still credit reporting as opened. I continued to ask why I needed to submit another dispute and provide the same documentation I have already provided to show this account was closed. This representative then told me I didnt need to submit any further documentation and he would make the dispute over the phone. He would not answer my question why my credit report continued to say there was an open investigation and continued to dismiss my concerns. He said I would receive an update within 30 days. I also wanted to dispute XXXX XXXX XXXX was also reporting incorrect dates of delinquency. On my credit report, it states the date of extreme delinquency was on XX/XX/XXXX. How is this correct if the debt was settled on XX/XX/XXXX? I continue to tell the equifax representative I wanted to include this in my dispute as this will affect me due to the amount of time these payments will stay on my credit report. I do not believe this was included and I do not believe I need to submit, yet a third dispute to finally get this resolved as I have submitted all they need in the original dispute to correct these errors. I have also continuously tried to contact XXXX XXXX XXXX to no avail and they continue to report in accurate information which is a violation of my right in the consumer crediting act. Equifax also continues to violate my right as they also continue to report in accurate information even with the documentation I provided. It should not take me three disputes over a span of 3 months to get them to report accurate information. If XXXX XXXX XXXX  will not update this information then it needs to be deleted as the information is not correct and it is affecting me. This account was settled over 60 days ago and I should not have to wait another 30 days to have this corrected when they already have the documentation they need to prove this account is closed and remove the inaccurate dates of delinquency. My credit with Equifax has dropped XXXX points in the last two weeks with no indication as to why. Equifax is not able to tell me why this is but continues to give me generic reasons such as opening an account, a late payment, closing an account etc. and neither apply. If anything, my credit should have increased due to credit history aging one month and including one month of on time payments. I am unsure if this decrease in my credit is due to this account but my credit score should not be dropping if the credit bureau cant even tell me why.