Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
Complaint Against : 1. Equifax , Inc . 
XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX ( servicing for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX Issue Type : Incorrect/incomplete credit reporting Mortgage servicing error Improper loan payment handling Failure to correct and update consumer data Violations of FCRA, RESPA, and potential UDAP ( Unfair, Deceptive, or Abusive Acts and Practices ) I am submitting this complaint due to multiple serious issues relating to inaccurate credit reporting, mishandling of mortgage payments, and questionable servicing practices by XXXX XXXX XXXX, on behalf of XXXXXXXX XXXX XXXXXXXX XXXX and reporting failures by Equifax , Inc . 

XXXX. Mortgage Servicing Discrepancies ( LoanCare/Lakeview ) XXXX have made on-time mortgage payments every month through the LoanCare payment portal from XX/XX/XXXX through XX/XX/XXXX. 
Despite using the XXXX portal, my bank statements list the payee as XXXX XXXX XXXX, not XXXX, indicating internal overlap or identity confusion between the two. 
For XX/XX/XXXX, I sent two certified bank checks : One for principal One for interest Both made payable to XXXX and mailed to the address listed on my monthly mortgage statement : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX My bank confirmed both checks were received at that address, which is associated with both LoanCare and XXXX XXXX XXXX XXXX 

XXXX. Improper Delinquency Notification Despite proof of payment and email communication with XXXX prior to the due date, I received a delinquency letter for XX/XX/XXXX. 
This is a false delinquency notice, and violates the Real Estate Settlement Procedures Act ( RESPA 2605 ( k ) ), which requires prompt and accurate processing of payments and proper acknowledgment of borrower inquiries. 
The failure to deposit the checks or apply them to my account, despite being received, indicates either : Negligent payment handling Possible internal mail fraud or mishandling of escrow and payment systems 3. Login and Account Access Issues The LoanCare login portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After the payment issue, XXXX disabled my ability to pay via their online portal without explanation, creating further barriers to timely payment. 
They also claimed I needed to update my mailing address by phone, despite : My mailing address being identical to the property address on the mortgage Having previously received all correspondence at that same address 4. Credit Reporting Inaccuracies ( Equifax ) Equifax continues to report : Inconsistent balances Duplicate or inflated payments ( e.g., {$5000.00} ) Incorrect opening dates and missing payment entries No reporting of down payment/secondary mortgage from XXXX XXXX XXXX XXXX XXXX These errors violate : FCRA 623 ( a ) Duty to report accurate information FCRA 611 Failure to correct after dispute FCRA 609 ( a ) Failure to disclose full account structure and payment history Legal Violations and Regulatory Concerns : 1 . FCRA Violations ( Equifax & XXXX ) Failure to furnish accurate payment and account data Failure to reinvestigate disputed items and correct them Damaging consumer credit through false delinquency reporting 2. RESPA Violations ( LoanCare/Lakeview ) Improper servicing of payments Mishandling mailed certified checks Sending inaccurate delinquency notices despite confirmed payments Disabling access to the borrowers account/payment portal ( possibly in retaliation ) 3. Potential UDAP Violations ( CFPB Authority ) Creating misleading account access conditions Misrepresenting payment status Undermining borrowers ability to maintain good standing Failing to apply payments receivedthis may constitute constructive foreclosure pressure

Company response to consumer: Closed with explanation