Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
RE : Loan No. XXXX Improper Charges, Overpayment, Misrepresentation, and Reaffirmation Agreement Obstruction Dear XXXX XXXX, I write to you not only as a customer of XXXX XXXX  but also as a debtor seeking transparency, accountability, and lawful treatment during the course of my bankruptcy proceedings under Case No. XXXX, which is currently discharged before the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX XXXX 
What began as a simple inquiry regarding the status of my mortgage account has evolved into a matter requiring executive, legal, and regulatory attention. I have encountered repeated administrative failures, unexplained charges, shifting excuses, and, most recently, what can only be described as an abdication of XXXXXXXX XXXX legal responsibilities under federal bankruptcy law. 
To date, your company has added over {$1200.00} in " corporate expenses '' and penalties to my accountcharges that were never part of our original intended and negotiated agreement, which were never explained despite direct requests, and used as a barrier to finalizing a Reaffirmation Agreement. That agreement has been delayed for more than nine months due to XXXX XXXX failure to produce it in a timely or accurate manner. These unexplained charges and delays rendered the agreement impossible for me to sign, as acknowledged by both myself and XXXXXXXX XXXX legal representative. 
Despite that, I brought my account fully current. In fact, I have now paid over {$5000.00} more than what was contractually required over the past fifteen monthsyet my account reflects no such credit or reconciliation. I demand to know where this overage has gone and why it is not reflected on my account balance. 
To make matters worse, I was informed by XXXX XXXX XXXX, Executive Servicing Escalation Specialist, that it was now my duty to draft a Reaffirmation Agreement for XXXX XXXX benefit. This is an absurd and indefensible position. I am a pro se debtornot a corporate attorney. It is both procedurally improper and legally untenable to suggest that an individual in bankruptcy must draft binding agreements for a major mortgage lender to avoid XXXXXXXX XXXX incurring legal costs. The legal and ethical implications of such a demand are staggering. 
Compounding the concern, XXXXXXXX XXXX has reported to credit agencies that my account is both Closed and Pays As Agreed with remarks indicating a Reaffirmation of Debt. This is demonstrably false. No such agreement exists or has been filed with the court. This misreporting is misleading at bestand a violation of fair credit reporting standards at worst. 
I never requested that XXXX XXXX find or infer that no Reaffirmation Agreement existedI expected that XXXXXXXX XXXX as a sophisticated party in a federally regulated industry, would already know its legal obligations. And yet, this misinformation now appears to be shaping your companys policy decisions. 
Accordingly, I demand the following immediate actions : 1. A full reconciliation of my account, including a line-item accounting of the XXXX XXXXXXXX in overpayments made since the Reaffirmation Agreement was first discussed. 
2. An explanation of all fees, penalties, and corporate expenses levied against my accountincluding who authorized them and under what contractual authority. 
3. A proper Reaffirmation Agreement, drafted and submitted by XXXXXXXX XXXX counsel, for my review and potential filing with the Bankruptcy Court. 
4. A review of XXXX XXXX handling of this matter by your internal legal and compliance departments, and a formal response outlining any remedial steps you intend to take. 
This letter constitutes a good faith and formal effort to resolve these issues prior to further regulatory complaint or legal escalation. I have copied this correspondence to my bankruptcy trustee and to the Consumer Financial Protection Bureau for their awareness and potential intervention. 
I expect a written response within fifteen ( 15 ) days of receipt. Should XXXX XXXX  fail to respond in good faith, I will explore additional remedies as permitted under law.

Company response to consumer: Closed with explanation