Equifax continues to avoid a serious issue i am having with an inaccurately reported account. They continually delete and reinsert even more inaccurate information and send it to my home pretending they have " updated '' and " investigated '' and received those conclusions but they are playing games with my credit report and my FICO score and most importantly with my emotions! XXXX is not reporting correctly an every time i correspond with them they keep sending me the same ridiculous letter saying it was " VERIFIED AS MINE ' and i keep telling them that its not the verification i am asking you to correct or investigate, it is your inaccurate reporting of the status and payment history in this account! Equifax is the only bureau that keeps changing things around and making this account worse on my life. Firstly, they were reporting this as derogatory with NO indications as to why so i disputed it asking why this account was in the derogatory section of my file and then they added on a 120 day LATE status to it. This account has NEVER been late, it was paid in full in XXXX the same month it was transferd as an overpayment from my student loan without my consent. Then i disputed the 120 day late because they blocked me from obtaining a home and applying for a mortgage and for months they avoided me and kept sending me ridiculous letters that its accurate. Then about a month ago i complained through the CFPB and they deleted the 120 days late and made it a collection. WHAT on earth is Equifax doing? This is ruining my life. I have never been on collection my entire life and they can not delete information and add information without listening to me and i even asked them for a method of how this was validated since XXXX and they have provided me with absolutely nothing and absolutely no proof that anyone has investigated this for me. Equifax simply sent me the same ridiculous letter and told me to contact whatever number i saw corresponding to the account, i called the number and it was the WRONG department and NOBODY could help me! This account needs to be deleted once and for all, i have already discussed my case with an attorney, i have LOST a mortgage on my dream home for my family, I have lost soooo much money on this inaccurate reporting an Equifax continues to play games with me and my report! They should be banished from the financial world, shame on them!