Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account. 

XXXX XXXX XXXX Date Opened-XX/XX/XXXX Date Updated XX/XX/XXXX Payment Received LastXX/XX/XXXX Account charged off. {$4700.00} written off. {$4600.00} past due as ofXX/XX/XXXX. 
Status Updated XXXX XXXX Balance {$4600.00} Balance Updated XX/XX/XXXX Inaccurate reporting of payments. Including number of payments, amount and when car was actually repossessed. Their documentation shows XXXX. The XXXX XXXX XXXX Car was repossessed on XXXX XXXX. It also states the account opened on XX/XX/XXXX that is wrong information as well. I purchased two XXXX cars on XX/XX/XXXX. Why the date it off I do not know. I have sent disputes several times with nothing being fixed and it clearly is on documentation I have provided in this complaint. Im their findings they found no discrepancies which is wrong per the fair credit act. And then I find this that makes no sense and was not aware of. Account charged off. {$4700.00} written off. 
{$4600.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX Balance {$4.00} Balance Updated XX/XX/XXXX Original Balance {$26000.00} Date Opened XX/XX/XXXX Scheduled Payment {$420.00} Paid {$500.00} on XX/XX/XXXX Date XX/XX/XXXX Balance {$23000.00} Scheduled Payment {$420.00} Paid {$600.00} on XX/XX/XXXX Date XX/XX/XXXX Balance {$23000.00} Scheduled Payment {$420.00} Paid {$420.00} on XX/XX/XXXX But they reported this 30 days past due as of XX/XX/XXXX to XX/XX/XXXX knowing I was paying my car payment even extra amounts some months but I paid it every month. I want this repossession taken off my credit as soon as possible. Once again they should be ashamed two accounts in a row? 
Address XXXX XXXX XXXX Phone ( XXXX ) XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX 
Phone ( XXXX ) XXXX FL XXXX Date Opened XX/XX/XXXX Last Payment Made XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$16.00} Balance Updated XX/XX/XXXX ( bought same day I bought the XXXX XXXX from XX/XX/XXXXXXXX  yet shows different open account date. They were both purchased atXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX fl XXXX Same day. My name only on both vehicles. One XXXXXX/XX/XXXXone XXXX XX/XX/XXXX ) So that is incorrect. Along with missed payments, payment amounts and I wasnt late on some they didnt even put me being late so how did it even get to being a repossession? I have bank statements etc I have sent to them yet they did their investigation and found nothing wrong with anything regarding this account on my credit. I want it removed. They have violated my Rights twice now on 2 auto loans. 
Payments made that they have stated I didnt make are Date XX/XX/XXXX Paid {$560.00} on XX/XX/XXXX They are trying to say Original balance left owe on car ( XX/XX/XXXX ) is XXXX. That can not be possible because I made payments that is on their documentation but say i didnt make. I paid in XX/XX/XXXX, a payment of {$560.00} which the balance should be {$35000.00}. Then Paid {$560.00} on XX/XX/XXXX brought it too XXXX. 
Then they say Status Account charged off. {$16000.00} written off. 
{$16000.00} past due as of XX/XX/XXXX Status Updated XX/XX/XXXX Balance owed {$16.00} Balance Updated XX/XX/XXXX And some how keep getting it lower and lower but their numbers dont match one says XXXX and another says this. Balance Date XX/XX/XXXX Balance {$14.00} Scheduled Payment Paid {$240.00} on XX/XX/XXXX Date XX/XX/XXXX Balance {$15000.00}? 
How is that possible? These are all inaccurate numbers that they just seem to come up with? None of the numbers add up with this car loan or do my missing payments and payments they have they just refuse to add them to their charts to make themselves look better. I as the consumer have been lied to, seen false documentation regarding this auto loan account and now repossession I have on my credit report. This is my last example. 
This is your report with your payment documentation Date XXXX XXXX {$14000.00} Paid {$240.00} on XX/XX/XXXX (? ) Date XXXX XXXX {$15000.00} Paid {$4200.00} on XX/XX/XXXX (? ) Date XXXX XXXX {$19.00} I obviously paid but the dates are still XX/XX/XXXX therefore they are no given me credit for my payments. The amount goes down mathematically like it should. These are the discrepancies I have been dealing with and yet the credit agency comes back and wont take off my credit? This isnt right. Its illegal! It was disputed in XXXX XXXX, they refused to remove it. 

XX/XX/XXXX Account Number XXXX Account Type Unsecured Responsibility C Individual Date Opened XX/XX/XXXX Status Account charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$890.00} Balance Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX ( XXXX ) XXXX Reinvestigation Info This item was updated from our processing of your dispute in XXXX XXXX never gave my written instructions to furnish an account, I would like it down please. 

XXXX XXXX XXXX XXXX Account Number XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX I never gave written instructions to furnish an account. 

XX/XX/XXXXAccount Number XXXX Account Type Collection Responsibility C Individual Date Opened XX/XX/XXXX Status Collection account. 
{$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Balance Updated XX/XX/XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Did not give my written instructions to furnish this account XX/XX/XXXX Account Number XXXXXX/XX/XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$890.00} written off. 
Status Updated XX/XX/XXXX BalanceXX/XX/XXXX Balance Updated XX/XX/XXXX Recent PaymentXX/XX/XXXX Monthly Payment XX/XX/XXXX Credit Limit {$300.00} Highest Balance {$890.00} XXXX XXXX XXXX, XXXX OR XXXX ( XXXX ) XXXX I did not give my written instructions to furnish an account These accounts have violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 602 A states section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation