Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX. SSN last XXXX XXXX. Originally, I have leased a XXXX XXXX XXXX for 36 months. After that I had a XXXX more months extension. All 42 payments were made on time. Now XXXX XXXX XXXX presents my already closed account in XXXX of XXXX, as a 48 Month XXXX and as delinquent. I have never signed for a 48 Month XXXX with XXXX XXXX XXXX, it's a lie. XXXX XXXX XXXX must present as proof a copy of the 48 Month XXXX, signed by me. Last year, Sat, XX/XX/XXXX, I became a victim of a scam at XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, California. A service advisor lied to me about the repair job of an item that was still under the XXXX 's XXXX. I caught the guy and his mechanic misrepresenting the facts and trying to load me with a payment of $ XXXX dollars. After I caught the guys, they fixed the problem in an hour. I have both copies of the XXXX Invoices, showing the lie. After about a month I discovered that the car had some hidden damages, made by the mechanic : drilled holes in the tires, newly installed screw in a tire ; damages to the windshield blades. The car 's wheels and tires were covered with some kind of marks, like shapes of animals, animated characters from cartoons, like XXXX XXXX pants. I have pictures of the wheels and tires. The car was marked for further damages to be done and implemented by other mechanics in the future. I personally visited the XXXX XXXX XXXX on XX/XX/XXXX, and talked to the XXXX  XXXX, XXXX XXXX. He gave me his personal business card and asked to send him an e-mail with my investigation file. I have never heard back any responses from XXXX XXXX ever. Then I filed a criminal report with the XXXX XXXX Police Department and called XXXX XXXX XXXX and explained to them the situation. After a few days, XXXX XXXX XXXX Reported my already closed account as delinquent, and as the result my Credit Score went down almost XXXX points, from " good '' to " fair ''. The credit report doesn't even show my last payment on the 42 months lease, that I made on XX/XX/XXXX, that concluded my XXXX XXXX. The car, XXXX XXXX XXXX, is criminal evidence now, until the case is resolved. XXXX XXXX XXXX started a scare campaign against me, making calls to me, sending letters, reporting my closed account to all major Credit Bureaus as delinquent. Personnel of XXXX XXXX XXXX of XXXX XXXX, California is involved in regular illegal, criminal activities, damaging cars of customers. There is no other explanation to all the marks that my car was marked with. It's a systematic approach to the business and customers. Tires of a car with an intentionally damaged tire, like in my case, predrilled, can blow on a freeway, resulting in a fatal crash. This is scary! Employees of XXXX XXXX are involved in such criminal activities!!! Shame! Here is a factual reference : XXXX XXXX XXXX Criminal Investigation Filed XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation