Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I purchased a new vehicle and financed it with XXXX XXXX in XXXX. Later XXXX XXXX was bought out by XXXX XXXX XXXX. I lost my job and could not pay my loan and was first delinquent on XXXX. XXXX XXXX XXXX XXXX never reported the first date of delinquency. I have wrote letter after letter to the credit reporting agencies and contacted XXXX XXXX XXXX in regards to not reporting a first date of delinquency. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating that account number XXXX was found in error and that a correction is required. This dispute was done by XXXX XXXX ( Credit Dispute Specialist ) at XXXX XXXX XXXX. In addition to the letter, I received a form from XXXX that shows the FCRA 1st date of delinquency as XXXX. On XXXX XXXX, XXXX I received an apology letter from XXXX XXXX ( Problem Resolution Services ) at XXXX XXXX XXXX. At this point, XXXX XXXX XXXX was reporting this CLOSED account as being paid as agreed and was still NOT reporting the 1st date of delinquency. This account was changed from a negative reported account to a paid as agreed account. I feel that this was done to keep the negative information on my credit file. I have wrote dispute letters to the credit reporting agencies and XXXX XXXX XXXX. I have a file full of letters and saved credit reports that prove XXXX XXXX XXXX and credit bureaus have been dishonest. Around XXXX XXXX, I sourced a paid copy of my credit report and XXXX XXXX XXXX still shows a paid as agreed account with no first date of delinquency and negative information. Remind you that this account aged out as of XXXX. I wrote a dispute to Equifax who in return contacts XXXX XXXX XXXX who continues to be dishonest. I supplied Equifax a copy of the information that XXXX XXXX XXXX sent me showing the first date of delinquency as XXXX. The representative at Equifax states that XXXX XXXX XXXX has still NOT reported the 1st date of delinquency and that is why the account still shows on my credit report. Equifax refuses to remove this negative account from my credit report. The representative at Equifax states that Equifax is reporting the information off of last activity date from XXXX XXXX XXXX. I informed the Equifax representative that this type of report is not correct. I have saved all of my letters and copies of my credit reports to prove my case that XXXX XXXX XXXX and Credit Reporting Agencies have been dishonest. In XXXX XXXX, I filed a compliant against Transunion and XXXX XXXX XXXX for this same issue. I was informed by a Transunion representative that XXXX XXXX XXXX was tell XXXX that the information is reported correctly. Remind you that I have supplied proof of letters from XXXX XXXX XXXX, XXXX decision to remove XXXX from my report, and copies of the disputes that I have filed with CFPB. As you can see from past complaints file with CFPB, this has been an ongoing issue. I expect my government to protect me as a consumer. I also intent to file legal action in federal court against XXXX XXXX XXXX and Equifax. Please feel free to contact me if you have any questions. My phone number is XXXX. Thanks for your help and time.