Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX XXXX has changed their name 8 years ago, but still pull credit under the old name of XXXX XXXX XXXX XXXX XXXX. They also report to Equifax every 3-5 months instead of monthly. That also has them out of compliance. My Husband ( XXXX XXXX XXXX ) & I don't have the correct credit score because of the missing reporting of two accounts. When we complain they send in ONE update to XXXX 's report, but what about the months missed? What about my credit report? They have also NEVER updated my report. We want our points from those months missed for the last 3 years. How many other people are they doing this to? They don't have the required amount of LICENSED officers to handle loans, complaints, etc. They are constantly trying to cover up & reproduce documents during an audit. They are so many Reg E Violations being done. I personally know previous Officers & employees that have more information of violations. They are extremely rude & talk over you when you are talking. I also followed up in XX/XX/XXXX & was told they will get right on it, but they never did. They said they didn't check the previous employee 's emails. What kind of business decision is THAT? Why would you let 3 people go & have no one following up on emails?! 

I am missing a personal joint loan & auto loanon my credit report. We owe {$4800.00} on the personal loan. It was opened XX/XX/XXXX. I will post below what they show on my Husband 's report where the balance is incorrect. 



XXXX XXXX XXXX Last reported : XX/XX/XXXX - {$5100.00} Good Overview You've paid off 32 % of the original amount. 

Balance {$5100.00} Highest Balance {$7500.00} Monthly payment $ XXXXOpenedXX/XX/XXXX ( 1 yr, 10 mos ) Term48 months Payment History Youve made 100 % of payments for this account on time. 



XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current No Info Current Current Current Current Current No Info Current No Info XX/XX/XXXX No Info Current Current No Info Current Current Current Current No Info Last paymentXX/XX/XXXX Current Payment StatusCurrentWorst Payment StatusNo Info This account is NOT showing on my credit report. 

The previous auto loan we had with them is also NOT showing on my report, but is on my Husband 's report. Please see below : XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed Overview You've paid off 100 % of the original amount. 

Balance {$0.00} Highest Balance {$7700.00} Monthly payment $ XXXXOpenedXX/XX/XXXX ( 1 yr, 10 mos ) Term36 months Payment History Youve made 100 % of payments for this account on time. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Info No Info No Info No Info Current No Info XX/XX/XXXX No Info Current Current No Info Current Current Current Current No Info Last paymentXX/XX/XXXXCurrent Payment StatusCurrentWorst Payment StatusNo Info Account Details Account statusClosedTypeAutoResponsibilityJointRemarks -- Times 30/60/90 days late0/0/0 Closed XX/XX/XXXX SEE AN ERROR? 

You could dispute an error with Equifax. 
GO TO EQUIFAX Creditor Information XXXX XXXX XXXX

Company response to consumer: Closed with explanation