Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In

XX/XX/XXXX I conta cted XXXX XXXX to see to see if I would be able to do a short sale for a significantly underwater co-op apartment that I owned. At that time, I vacated the apartment, kept it in good condition and wanted to continue to make payments to XXXX until such time that the short sale process was concluded. The XXXX  representatives
directed me to fill out an application packet, which I quickly did. Although the application,
which I provided, was complete, they incorrectly asked for additional irrelevant information, which delayed the process for several weeks.
After XXXX acknowledged the information I provided was accurate, I received a letter in late XX/XX/XXXX, stating that my application was denied because I was not eligible to be considered for a short sale.

In early XX/XX/XXXX I wrote/called XXXX to understand why I was not eligible for t
he application and was told because I was up to date on all of my payments ( to be cle
ar I NEVER missed one payment in 14 years ).

I was told that my application would not be considered as long as my payments were current. I explained that if I ceased
payments, it would XXXX my XXXX credit score and furthermore was not what I want
ed to do because of how the damaged credit score would hurt me with other pers
onal/business

matters. After hearing from XXXX that there was no other way to proceed, I stated to XXXX ( on their calls which they record ) and via formal follow up written and electric communication ( w
hich they received ), that although I completely disagree with their forcing me to do this, I would temporarily cease payments as they instructed ONLY if they accurately reported that I was not making payments solely because of their forcing me to do so as opposed to XXXX stating that I was temporally suspending payments as my sole discretion.

Furthermore, I stated verbally and in writing to XXXX that I would consider such reckless disregard to comply with this as bad faith and that I would be irreparably harmed. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION. 

Thereafter in late XX/XX/XXXX, I received payment notices and calls requesting payments. I responded to all XXXX calls and letters with my position, asking for a supervisor to confirm. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION.

In late XX/XX/XXXX, I was
monitoring my ( and my wife 's credit score ) and noticed that there was a negative inaccurate  notices from XXXX. Once again, I called and sent letters asking for a XXXX supervisor to contact me and I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION. 

In early XX/XX/XXXX, I separately was in the process of obtaining a loan from a separate bank and was denied because my original XXXX ( which had me pre-approved ) dropped to XXXX SOLEY BECAUSE OF THE INACCURATE DELINQUENCY NOTICES PROVIDED TO THE CREIDT AGENCIES BY XXXX. 

When I explained to them what happened, I was told this was a predatory lending practice by XXXX  a

nd if their bank were to do so they would be sued and fined. I have now be
en irreparably harmed by their predatory lending practices and can not get XXXX to engage on cleaning up their mess.

Company response to consumer: Closed with explanation