Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

XX/XX/XXXXCalled Equifax to get clarity on a document received regarding the " results of investigation ''. The subjects disputed were XXXX tax liens issued by the State of Maryland for XX/XX/XXXX and XX/XX/XXXX. All tax liens had been satisfied and released and documentation had been provided, which was received from State of Maryland/Comptroller of Maryland. The State of Maryland also agreed to Withdrawal and Vacate the liens ( indicating this would result in removing from the credit report agencies XXXX. I provided separate documentation for this as well. 

The XXXX 15 minutes I was on the phone with an incompetent representative who did n't know the difference between a " Public Record '' and a closed " Collection Account ''. The more I spoke about the liens the more she wanted to talk about a medical collection account. I asked to be transferred the XXXX Rep, preceding to help me with the public record XXXX tax lien issue ). I was placed on hold XXXX times during the XXXX minute call with him, XXXX he told me he did n't have any documents from me regarding the tax liens. After the XXXX hold he says, my apologies we have them XXXX have been satisfied and released. I asked about the status of them being " vacated and withdrawn '' he said he did n't see paperwork. After the XXXX hold ... .he says I see them all except for XXXX ... ..Then XXXX hold ... he comes back apologizes says we have them. They do n't match we cant verify ... .he says the page numbers in the dockets of the Satisfied/Lien Release and " Vacate and Withdrawn '' have different page numbers. Well I looked at my documents one was written Page Number : XXXX and the other Page Number : XXXX. Well the XXXX hold ... .Okay we cant process because it needs to be a sealed stamp from the courthouse. I explained to the rep that its been over 60 days and asked to speak to a supervisor. 

I explained to the supervisor how I attached these files ( via PDF ) in an online dispute on the Equifax website and results came back " verified and is reporting correctly ''. I continued to explain how in My XXXX attempt, I was advised to resubmit via fax by a representative to XXXX XXXX XXXX and I did as I was instructed. 
Well I receive weekly updates from Credit Karma and noticed the other bureaus had updated and removed these records but Equifax still reported them all. Got a letter again stating " verified and is reporting correctly ''. I asked who are they verifying the information with ... they would not tell me. I said its going on 90 days, I am trying to pass a clearance as well as apply for a mortgage and its quite frustrating. The other bureaus did not give me a hard time regarding the paperwork or raising any issue in regards to needing a document from the State with an " Original Seal ''. 
I am looking for in consistency and accuracy in the least ... this is quite unfair to the consumer who relies on this agency to supply employers, lenders and various merchants with inaccurate information. I am shocked the lack of competency from the customer care reps that represent such an organization as Equifax. I would like formally open an submit this complaint to the Federal Trade Commission for immediate investigation of this matter. 

I am attaching the paperwork from State of Maryland that I have sent to the other reporting agencies and they have been removed from the file XXXX s ). 

Regards,