Equifax's Consumer Report not matching 3rd Party Credit Reports

[jcfinc12]

I am at wit's end, when a 3rd party creditor pulls my equifax report, it shows 3 paid collections that were removed years earlier. My Equifax Consumer Report has no such collections listed.

I can't dispute the items online, as they don't appear on my consumer report, when I call Equifax, they simply say no collections exist. 

I made complaint to the CFPB, to which Equifax, came back with, no such collections exist, case closed. However, anyone that pulls my Equifax sees the collections. Credit Karma and MyFico also list the paid collections.

When I try to dispute the collections on Credit Karma, takes me back to the Equifax Portal, where there are no collections.

Any help or advise would be greatly appreciated.

[GZG]

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@jcfinc12 wrote:

I am at wit's end, when a 3rd party creditor pulls my equifax report, it shows 3 paid collections that were removed years earlier. My Equifax Consumer Report has no such collections listed.

I can't dispute the items online, as they don't appear on my consumer report, when I call Equifax, they simply say no collections exist. 

I made complaint to the CFPB, to which Equifax, came back with, no such collections exist, case closed. However, anyone that pulls my Equifax sees the collections. Credit Karma and MyFico also list the paid collections.

When I try to dispute the collections on Credit Karma, takes me back to the Equifax Portal, where there are no collections.

Any help or advise would be greatly appreciated.

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https://www.annualcreditreport.com/index.action 

when you pull your report from here, do you see the collections? 

is the creditor pulling a different report that might still be reporting the collections?

[northway]

You've probably got a split file. I've been dealing with this for the past 2 years, and after 1 settled federal lawsuit against them, I'm about to file another one after they re-split my file. Get a lawyer if they can't fix it.

They are the absolute lowest dregs of the earth when it comes to dealing and fixing it. They'll just throw their hands up and say "Sir, the information we have available is your complete credit file".

[jcfinc12]

Yes, the paid collections do appear on MyFico Equifax Report, again they do not appear on my Equifax Consumer Report. Thus no way to dispute the collections.

I also am thinking a lawsuit, was thinking small claims to make it fast and easy. Anyone with experience, please advise.

[northway]

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@jcfinc12 wrote:

Yes, the paid collections do appear on MyFico Equifax Report, again they do not appear on my Equifax Consumer Report. Thus no way to dispute the collections.

I also am thinking a lawsuit, was thinking small claims to make it fast and easy. Anyone with experience, please advise.

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Smalls claims isn't the appropriate avenue. It's an FCRA claim that needs to be handled in federal court.

[Anonymous]

This is an issue i've been seeing upon me and my friends... something weird is going on in Equifax's database... try going back on MyEquifax today and see if you can see it there now.

[RedKhaos]

It's Equifax. I had my own experience.

I think they royally messed up an update as they did it to one of my old accounts as well, two lates this year showing up for a long closed account. I had to go 5 rounds with them, my lender, who also happened to have lost my record (or at least none of the cs/fraud people could find it), so Equifax just ended up reposting the clearly wrong lates after each dispute. I filed a cfpb complaint and it looks like it's now resolved based on myfico and creditkarma, but I'll know for sure next month. I had a quick phone chat with the specialist from the lender assigned to my complaint...way faster resolution than trying to get through the phone banks or Equifax cs.

You can try disputing Equifax but I think their system is clearly messed up right now. Go to the lender and have them report your account info to Equifax and if that doesn't work, file a CFPB complaint with pictures of your clearly wrong Equifax lates and tag both the lender and Equifax.