Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NV)

This complaint is against XXXX, Equifax, and XXXX. I make payments against my XXXX credit card balance via an outside financial institution, XXXX. The checking account # I historically used was changed by XXXX XX/XX/XXXX. I updated my checking account number in the XXXX online banking system and made payments on the XXXX online portal. I believed that the payments I had made posted properly because the balance on my credit card had declined appropriately. It was not until after I logged into XXXX around XX/XX/XXXX that I learned that my balance on my credit card account did not reflect the prior two payments. I immediately made a large payment and contacted XXXX about the error. Since the error, I have moved forward with XXXX CRA disputes and XXXX prior CFPB dispute. After several hours on the phone and multiple disputes the information was properly removed from my credit reports around XXXX, XXXX. The information was later re-inserted into my Equifax and Transunion reports approximately 60 days later without any notification. 
These two late payments are not representative of the fact the I have over 100+ months of on-time payments made to pay off a vehicle, XXXX personal loans, and six years of credit card use. Most recently, I was told that my case would be looked at by an " executive resolution team, '' though the communication the I actually received was from one individual who himself determined that I was strictly at fault. XXXX had promised me on several occasions that they would provide me with the documentation/proof/supporting evidence that they used to deny my claim of inaccurate credit reporting, as well as the documentation that they supposedly sent to me notifying me of failed payments. To this day, XXXX has not provided me with any reasonable explanation as to why they refuse to remove this negative information from my credit history. 
The impact of XXXX 's continued negative reporting can not be overstated. This includes nearly two years of XXXX associated with a significantly reduced credit score that has prevented me from obtaining a mortgage to provide a home for my family, caused the denial of a small business loan, and increased the effective APR on my existing credit accounts. 
I can not imagine a more compelling case for the Consumer Financial Protection Bureau to investigate. XXXX. I am requesting that the CFPB pressure XXXX into being transparent and finally provide the documentation that they had promised me on several occasions that justifies their continued adverse reporting. I expect that documentation to include all relevant information including, but certainly not limited to : the date/time/payment account number of the failed transactions, date/time/transaction record of all online banking activities between the dates of XX/XX/XXXX andXX/XX/XXXX. Additionally, I expect that XXXX provide me with any and all internal documentation pertaining to all previous internal reviews of this matter. I believe that my request for this documentation is fair and reasonable considering the significant negative impact that XXXX 's reporting has had upon my life and my ability to provide for my family. 
Additionally, I have requested on three separate occasions that the CRA 's provide me with documentation of their dispute investigation that justifies XXXX 's continued reporting of adverse information. To this day, I have not been provided any such information except for XXXX 's statement that they must report all information accurately. XXXX is reporting is NOT accurate because I did make payments for the months in question. Because the payments did not post properly within XXXX systems does not negate the fact that I made each of them in good faith.