Consumer complaint received 08/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX 2016 I submitted an application for a loan to my Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no issues with my bank nor did I believe I had any issues with any of the credit Bureaus. I had just check my credit score and report with Equifax at home on my computer. My credit score was showing at XXXX all of my accounts were in good standing paid as agreed in addition any credit cards and loan balances only ( XXXX ) accounts I had balances on all paid down less than half of what was owing on each account. In addition I had no negative, late or derogatory information on my account for over the past 7 years or more. However when the credit report was returned to the bank. It stated that my credit score was at a XXXX and I had filed a bankruptcy. My request for a loan was denied. 

This action on behalf of Equifax was an act to retaliate ( hit back ) in addition to abuse of power in response to all the complaints and disputes I filed against the company in the past .Doing what is stated by law file a complaint when there is mis-leading, inaccurate or false information on my report I called Equifax and talked to a supervisors XXXX XXXX she told me that at the time the request was submitted I did not have anything on my report she did inform me that for the last past 6 years although it was showing on my physical report all my accounts were in good standing however in the status code section of the report the XXXX XXXX XXXX account was reporting as an XXXX which means an mortgage account in collections. When I asked how can I get the information they sent to the bank corrected, XXXX XXXX said they would send an updated report to the bank. I contacted XXXX XXXX XXXX afterward and explain what I had been told. I was asked to call Equifax back and find out which department would the report go to. I called XXXX XXXX back but after more than a week of receiving no return phone calls ( the receptionist informed me that she was in the office and not on vacation. ) I was sent to the customer service department. 

When the customer service department answer the phone, the clerk told me I was to have the person at the bank call the phone number she gave me and they would send the bank an updated report with the correct credit score and information. She also informed me that the current status on the XXXX account was showing M- Bankruptcy. She told me she would file a dispute and although XXXX from the bank called and requested a new credit report, One was never sent. The past 6 years Equifax and XXXX created a defamation of my character, they are Negligent, and in violation of the fair credit reporting act as well as the PART 1002 -- EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) Sec. 1002.16 Enforcement, penalties and liabilities. The last six years. i submitted disputes to Equifax about my XXXX accounts reporting and my credit score remaining the same even though I am consistence with paying my bills on time. I also found out that it was hidden in the background on their website that I had opened XXXX new accounts which was affecting my credit score the youngest acct. I have is over 7 years old. 

I'v spoken to every dept. in Equifax over the past 6 years from the CEO, Supervisors, several of them to many customer services worker in every department. I expressed to Equifax that because of the numerous of changes that was reported on my account after closure from foreclosures, transferred, late payment & many other status. Equifax seen the incorrect information. The evidence was there on my credit report. XXXX was reporting on my account monthly and never reported anything negative, late, bad standing or otherwise. XXXX was blaming Equifax for not correcting the report and Equifax was blaming XXXX. Equifax is the one responsible for doing a complete and intense investigation and when inconsistency is found delete the item being reported.

Company response to consumer: Closed with explanation