Equifax Credit Reporting Complaint

Incorrect information on credit report account terms

Equifax Credit reporting department,

Incorrect information on credit report Account terms Virginia

- mortgage company has reported that the mortgage on our home is " due '' and delinquent for $990000.00 - - which is the mortgage on our home. We have a 15 year mortgage with this loan. We have been in dispute with the mortgage company for over a year now because the mortgage company has " misapplied '' funds that we paid into the mortgage and first placed them in " unapplied funds '' and then placed them in principle when they should have been placed in " escrow '' to pay the taxes. It has all been documented and shows how we have paid our mortgage " on time '' every month but when the money was received, it was applied to the wrong area. In the meanwhile, the escrow account was deficient by the same or similar amount as the " unapplied funds '' had overage. The credit report should have looked at the account before reporting that such a large debt was due. My personal credit AND my business credit is so low that I was not even able to apply for a business car loan. My past credit scores have always been in the - 's and - 's. This is not " usual '' of my character to have a " ding '' on my credit like this. Since the credit scores went so low, my business is unable to be approved by - separate government contracts. Thus, I have been personally and financially harmed from the credit bureau 's lack of adequate review into my credit history.

Equifax customer in Virginia
Dec 07, 2016

* Source: CFPB Complaint Database

Equifax response to complaint:
Closed with explanation

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