Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This issue is with Equifax, not XXXX. In XX/XX/XXXX, my husband and I began looking to purchase a home or rental. Our potential lender showed us some discrepancies on my Equifax credit report relating to a closed mortgage account with XXXX. So, with errors on my report, I knew that my Equifax credit report needed editing if we were to be successful in our attempt to get an affordable purchase or rental. The Equifax report showed a few issues, for example, that XXXX 's payment was late, which I believed was wrong. I disputed the info I saw with Equifax ( Confirmation # XXXX ) and Equifax responded XX/XX/XXXX, stating that the info was correct because they received the info directly from XXXX. After a phone call with XXXX in XX/XX/XXXX, I do see now that XX/XX/XXXX 's payment was considered late because the payoff took place beyond the grace period in XX/XX/XXXX, so XXXX did report that particular event correctly. I then asked XXXX to provide any documentation available on our account regarding payments and balances for XXXX. The other issues with my Equifax report were still showing in XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX I viewed the XXXX XXXX XXXX ' tab of the XXXX mortgage account showing on my Equifax credit report. I kept in mind that mortgage was paid off as agreed and closed on XX/XX/XXXX and that the payoff data does show correctly in the bottom part of the screen of the payments tab on my Equifax credit report. What is concerning is that account balances are listed for the XXXX mortgage on my Equifax credit report for XX/XX/XXXX through XX/XX/XXXX and those balances start with the amount that was paid off in XX/XX/XXXX ( {$150000.00} ) and goes higher, then lower, each month up until XX/XX/XXXX - yet, it is clearly noted in a different area of the same report that the account was paid off in XX/XX/XXXX. Then, I viewed the 'Scheduled Payments ' area of the Equifax credit report and saw that there were amounts listed for XX/XX/XXXX through XX/XX/XXXX. Again, the loan was paid off and the account closed in XXXX XXXX so why were there scheduled payment listed for 8 months in XXXX? Then I viewed the XXXX XXXX XXXX ' area and there were amounts listed for XX/XX/XXXX and XX/XX/XXXX. Since a few months had gone by and I had not received anything from XXXX, I reached back out to them and we worked together and found that the data that XXXX reported was valid in that the account was paid off as agreed and closed in XX/XX/XXXX and that XXXX  reported no other data on the mortgage account relating to mortgage payments, either on-time or late, since the account was closed XX/XX/XXXX. The detailed data listed in certain sections of my Equifax credit report are inaccurate and XXXX did not report that data. 

Important note-My Experian credit report has correct info. So, where did Equifax get the erroneous data listed on my credit report? How am I able to buy a house or even rent another home if the Equifax credit report shows that I have mortgage balances and late payments in XXXX many months after the account was already paid and closed. Having to navigate through this " obstacle course '' of contacts that need to be made and new lists of things that have to be completed because of Equifax 's error is very stressing.

Company response to consumer: Closed with non-monetary relief