Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX, I contacted Equifax to dispute the errors I recently found on my credit report on my mortgage company XXXX XXXX XXXX XXXX and they did investigate my dispute but did not update and delete the inaccurate information. They did not remove the late 30, 60, or 90 day lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX nor posted the 4 payments received for XX/XX/XXXX and 1 payment for XX/XX/XXXX. Which was on time and done by my online bill pay. I was instructed to prepay my mortgage for the next month because this will help avoid interest charges, keep me a month ahead and paying over the due will be applied to my principle. This sounded like a dream to me and followed their instructions. I wanted my loan paid off faster and all the XXXX XXXX XXXX reps echoed the same thing with making double payments if I was able too. So, I made double payments as much as I could. They were applying my extra payment to the next month as long as they were separate mortgage payments and not lump sums, so there was no issue at one point. But recently my employer pulled my credit to reconfirm my suitability for my job and noticed there my credit report showed months my mortgage was not paid. I had to provide my bank statements to my employer to prove I was paying my mortgage but I am still in jeopardy of XXXX XXXX XXXX because XXXX has inaccurate information reported about my payments and not applying my payments to the months I paid, updating my account correctly, updating my credit report correctly, noting the payments that I pay was listed as not paid, not giving me credit for over payments, charging me monthly late fees of {$41.00} for payments that are received before the XXXX of the month. 
In addition, I have not received my escrow check in years and when I ask for my escrow check to be applied to my monthly mortgage payment I am transferred to a million departments, told it will be applied to my next mortgage, but it never was. I was then late, upset and told someone would contact me to fix the escrow matter. I am the one calling and having to be persistent for them to give me my money. I notice periodically my mortgage payment would be higher and was told my taxes went up but with the homestead credit my taxes went down. I paid {$1100.00} but my payments were {$1100.00} in XXXX and in XXXX it went up to {$1100.00} by the end of XXXX it was {$1100.00} and XX/XX/XXXX its {$1100.00}. My mortgage went up {$62.00} in 2 years and no one at XXXX can explain to me why. The longer you own your home mortgage payments go down they can not explain to me why it is going up. If they are doing all these things to harm their clients there is no doubt in my mind they will intentionally mess with payments and credit reports like they are doing with mine. One day I was able to speak with a rep and did not get clarity on all the charges but found I was being charged homeowners insurance even though they had my XXXX homeowners insurance policy on file and sent in my renewals. Ive had homeowners insurance since XXXX with XXXX  XXXX XXXX and they continued to add the insurance back into my loan. XXXX when they took over my loan they attempted to foreclose on my home because I refused to pay the {$4000.00} mortgage payment that was not the mortgage and claimed they did not receive any payments from me for over 6 months. 
During the transition of my loan being sold which I was not told, my payments were set up for monthly auto draft to pay my mortgage to XXXX  XXXX XXXX from XXXXXXXX XXXX XXXX XXXXXXXX account. Luckily, XXXX  XXXX XXXX contacted XXXX and provided them with the XXXX proof they received the payments, but this did not stop them from demanding {$4000.00} mortgage payments. XXXXXXXX XXXX XXXX XXXXXXXX payments before they sold my loan was {$1400.00} a month. FHA and Consumer Protection had to step in to stop XXXX XXXX XXXX from taking advantage of me and attempting to foreclose on my home. As we speak XXXX XXXX XXXX have continued to post various inaccurate information on all three of my credit reports with the credit bureaus. 
At the very least, XXXX has my XXXX and XXXX payments listed : XXXX received on XX/XX/XXXX for {$2300.00} and XXXX received on XX/XX/XXXX for {$0.00}. They combined the payments. Yet they correctly note my credit as prepaid mortgage for the next month of XXXX, so my payments of {$1100.00} and {$1100.00} were correct but the 30, 60 and 90 dates lates were inaccurate. My XXXX, XXXX, and XXXX payments with Equifax have {$3700.00} listed as my actual payment and late. My monthly payment is {$1100.00} but for years paid {$1100.00}. It also has late payments for XXXX and XXXX but not XXXX. XXXX have my XXXX payment of {$2300.00} but no payment for XXXX  30  day late and XXXX  60 day late. XXXX and XXXX payments not listed. Yet the list of my payments of {$1100.00} from previous years are listed accurately but it also shows how they continue to raise my mortgage every 6 months. It can not be taxes ; I have a homestead credit which lowers my taxes. 
All the reports are incorrect. The current amount owed is not accurate, they are posting lates on my report but note the payments were received/ credited for the following month. I made 4 payments in XXXX and 1 in XXXX, now I am scared they will not apply it to my account since it is not showing up on any one of the credit reports. I am also concerned about the cyber attack since they did not tell me about it but found out via the news and when someone attempted to make use of my credit. Or the continual late charges attached to every payment before the XXXX of the month or the additional " Fee '' they will not explain. You can not get anyone on the phone unless you sit on the phone for 2 hours talking to a robot and press 0 a million times for a rep to only tell you " We do not admit guilt '' that is not a company that should be operating or serving the public. Because of XXXX. XXXX I could lose my 17 year XXXX XXXX all because they continue to find ways to harm the little people. My XXXX, XXXX, XXXX, or myself as a XXXX employee did not fight for this country to have our rights taken away from people who continue to circumvent the law. I can go on but with all the things that have occurred since they took over my loan in XXXX from XXXX  XXXX XXXX. I am attaching my bank bill pay, all three credit reports showing they all are different, the dispute resolution and the three Cornell Law U S Codes for review.

Multiple Federal Laws are being broken by the credit bureaus and XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This has to stop. I can not lose my career, put my family in harms way because of XXXX, have them take away my livelihood or continue to stay quiet.