Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I refinanced my mortgage loan in XXXX. The loan was with XXXXXXXX XXXX  . The loan is now with XXXXXXXX XXXX XXXX . The loan with XXXX was closed XX/XX/XXXX but ony Equifax report it is showing both loans are open which is making my mortgage amount on my credit report around {$56000.00} more than it is suppose to be. On the other two credit bureaus XXXX XXXX XXXX both show that the XXXX account is closed with an open account with my current mortgage company. I have filed two disputes in the last 10 days. First dispute filed on XXXX the XXXX of XXXX second dispute was filed on XXXX the XXXX XXXX. Both disputes resulted in zero results. Both times I filed the dispute they were completed the very next day. When they give me the results to download it has been the same exact file that I had received last year around XXXX the XXXX of XXXX I have not received any new documentation of the dispute results. On the Equifax it had been removed it never showed closed but it had been removed off the report then a couple weeks ago it popped back up as open with late payments. So first off it should not be on there with the status open it should be closed for XXXX. Second the payment history is 100 %. I had to file a complaint with your help through your website last year around XXXX before I got any results that ended in the correction on my credit report I filed the complaint with my old mortgage company and the credit bureau of which then it was corrected. I need your help again My credit score went down XXXX points with Equifax when the XXXXXXXX XXXXXXXX popped back up on the report. The issue is not with XXXXXXXX XXXX the old mortgage company it is with Equifax credit bureau I have disputed several times with no avail. I need your help again to get this off of my credit. Both XXXX XXXX XXXX have the correct information which is closed with 100 % payment history. I have sent several documents proving that the payment history is 100 % and that are account with XXXX has been closed since XX/XX/XXXX you are my last resort. I am wanting to refinance my car loan and this is preventing me from a refinance to save myself money to get a lower interest rate. If you need the documentation I sent Equifax please let me know and I will send it right away. I do apologize for such a long explanation I just want to make sure all the details are accounted for so just to go over a summary of the issue. Equifax has put my old mortgage company which is closed back on my report which is making the mortgage amount on my report around {$56000.00} more than it should be. It status on Equifax is open and it is closed. I keep getting the same dispute results to download as I have gotten twice before I see where there has been no new changes or a new investigation. They have completed the investigation in less than 24 hours the last two disputes which is not even enough time to investigate properly in my opinion. It is a very easy fix the only thing that needs to be changed is my payment history of 100 %, and the account status which is closed. I have had problems with Equifax for almost the last year sending 12 disputes over that time I'll have which have been with the very same company that I am trying to resolve now and again the problem is not with the old mortgage company it is with Equifax. My credit score dropped XXXX points when it reappeared on my Equifax report. Thank you for taking the time to at least try to resolve this for me and again I am sorry for such a long explanation but apparently Equifax does not understand what I am trying to dispute even though I have made it clear and sent documentation.

Company response to consumer: Closed with non-monetary relief