Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is in regards to a complaint I filed on XX/XX/XXXX under CFPB complaint ID XXXX. In this complaint I specifically stated that this is regarding a credit card that is being reported as an opened account with a fake balance of {$8000.00}. The consumers credit union account number in question ends in XXXX. After filing this complaint Equifax went in and put the WRONG account on dispute. I didn't say anything about a car loan. I SPECIFICALLY stated the Consumer 's credit union account in the OTHER section of my credit report with the balance of {$8000.00}. This is proof that Equifax does not read the disputes that come in. Please see the below complaint and take my PAID car loan off dispute and delete the credit card account ending in XXXX. 

This is a demand to conduct a thorough and proper investigation regarding the Consumer 's Credit Union account that you have listed in the " Other '' section of my credit report. I have previously filed multiple disputes with your company regarding the above account. I have provided a mountain of evidence backing up my disputes. I want to be very clear of my complaint to the CFPB. I filed for XXXX XXXX  bankruptcy in XXXX of XXXX before I moved to California. The XXXX XXXX bankruptcy included the Consumer 's Credit Union account listed above and the bankruptcy was discharged in XXXX of XXXX. For the first year Equifax was reporting this account correctly as a closed account with no balance that was discharged in bankruptcy. A year later I noticed that Equifax updated this account to report as an opened account, removed the discharged bankruptcy reporting and added a fake balance of {$8000.00}. I immediately disputed this account. I provided Equifax a letter from Consumers credit union, as well as a copy of the discharged bankruptcy. Equifax ignored my evidence and refused to correct this account. I then filed 4 other disputes in which Equifax finally corrected the account. A month later, Equifax re- inserted the false reporting, placed the account back as a current opened account. I then filed another dispute explaining to Equifax that this account was discharged in bankruptcy and that it is not an opened account. Equifax has failed to conduct an investigation. In fact, Equifax did not investigate at all. They ignored my evidence and provided me an extremely confusing excuse as to why they will not remove and correct an account that was included and discharged in a XXXX XXXX bankruptcy. I know and can provide evidence and prove that Equifax NEVER contacted this creditor. They never did any type of investigation at all. They just lied and refused to correct the account. On XX/XX/XXXX I had to vacate my home due to a fire in California! I applied for a credit card and personal loan for an extended hotel stay, both request were denied. Both banks XXXX and XXXX XXXX XXXX XXXXnied my application solely because of the outstanding balance of {$8000.00} with Consumers credit Union that is showing on my Equifax credit report. Please note that both Creditors only use Equifax to pull credit and Equifax is the ONLY credit bureau that is reporting this account falsely. XXXX XXXX and XXXX is reporting this account as a discharged debt with a XXXX  balance. I am currently staying in a shelter as a result of Equifax false reporting. I have been trying to get this account corrected well before the fires. If Equifax would have did its job and conducted a proper investigation months ago, I would not be homeless. I have included more evidence which is a copy of an email between my lawyer XXXX XXXX and Consumers Credit Union. Please note that this is a demand to delete the Consumes Credit Union Account immediately. Your false reporting has caused me emotional distress, my child and I are now homeless, I had to take an extended leave of absence from work and am currently suffering emotional distress.

Company response to consumer: Closed with explanation