Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

I contacted the  XXXX   XXXX   XXXX   XXXX  on  XXXX  because I had an alert from   XXXX   XXXX   that my score had dropped  XXXX  points due to  XXXX   XXXX  my loan 30 days late. I contacted  XXXX  and was transferred to their call center in  XXXX . After attempting to get answers over the next 7 days and talking to over  13 different Employee  s (  ID # 's include  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  ) I still had not answers.  XXXX / XXXX / XXXX  I finally got in touch with a Man named  XXXX  ( id #  XXXX  ) that told me  XXXX  had sent out letters to me to let me know the amount of the escrow had changed. I let him know that no letters had been delivered to me and was there an attempt to contact me by phone. He said yes and recited a phone number to me that does not belong to me I asked if there was another number listed and he recited my correct phone number to me. I asked if that number had ever been called and he stated " NO '' that they had not tried to contact me at that number. My payment on this account is {$2100.00} that is automatically paid out of my bank account every month and I have record that at no time has this payment been made late much less 30 days late. When I spoke to  XXXX  he said that there was an outstanding balance on the account at that point of {$800.00}. I stated to him ( on a recorded conversation ) that I would pay that amount right then even though I do n't feel I owe it because it is effecting my credit score.  XXXX  told me not to pay that amount because it would hinder the investigation. The reason I found out the escrow amount had changed is because they applied forced place flood insurance on my property and never let me know about it. Thus charging me an additional {$2400.00} on my escrow and increasing my monthly payment to {$2500.00}. My automatic payment continued as usual for {$2100.00}. I let them know I have flood Insurance and the policy only cost me {$610.00}.  XXXX  told me he would be back in contact with me by the  XXXX  of  XXXX  to let me know what he can do to help. I called  XXXX  on the  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX  and made sure to leave a message for a return call. I then called  XXXX   XXXX . I stayed on hold for him for well over an hour in order to speak with him. Once he finally answered the phone he was very dismissive stating that  XXXX  would not be interested in correcting my credit file or fixing the escrow amount. I spoke to  XXXX   XXXX  at  XXXX   Hazard Ins. Dept.  in the  U.S. s he stated she would do what she could to help me and requested that I contact the OMBUDSMAN Department. I did and spoke with  XXXX .  XXXX  said he would do what he could to help and would be in touch with me. There is a lot more to this story than I can type at this point If someone would like to give me a call I can provide much more detail. In continuation,  XXXX  was to research all the information provided and get back to me. After 10 days I had to call them again.  XXXX / XXXX / XXXX  I got  XXXX  on the phone who told me that because he felt they did their due diligence by " sending '' me correspondence even though I never received it that they would not be reversing the negative remarks on my credit Bureau. On top of that even though I have provided the " required '' flood ins. policy that they would continue to increase my escrow and my payment would remain {$250.00} higher than my contractual amount of {$2100.00}. Because they are continuing the forced place flood insurance for  XXXX . This is not ethical! I paid  XXXX  an additional {$650.00} on  XXXX   XXXX  ( with  XXXX   XXXX  to make sure there would n't be an issue reporting accurate information to my credit report. They then reported another 30 day late payment to the bureau and  XXXX  told me today they will be reporting another 30 day late payment for  XXXX  even though I have overpaid them {$880.00}. I can not be held accountable for something I do not know about.  XXXX  did not apply due diligence to contact me and let me know a change on my escrow had occurred. I personally would have taken care of it that day if I had known. For them to drag a good paying customer though this is unacceptable. I feel at this point they are taking advantage of me by not correcting my credit score as well as overcharging me on the money. Any and all documentation of on time payment for correct amount can be provided per request. I have no additional documentation from  XXXX  because it was never received.  XXXX  Employee  XXXX  #  XXXX  stated that they sent me a certified letter however, he can not proved receipt or tracking that it ever got to me.