Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a formal complaint that XXXX XXXX is reporting inaccurate information on my credit report which is detrimental to my score to your CRA. I had a car that was financed through XXXX XXXX inXX/XX/XXXX. In XX/XX/XXXX, the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with XXXX XXXX and which the car was declared as totaled. Even though both, my gap and car insurances submitted the claim information and sent payments, XXXX XXXX was still negatively reporting the account being late even after being granted approval for an extension on my behalf. Nevertheless, I called them numerous times to resolve this matter and to get to correct the inaccurate reporting of late payments and given balances on this account. The customer service representatives were rude, many failed attempts to forward calls but will purposely disconnect/end the call before connecting to their supervisors. Ive requested on many occasions for supervisors to call back regarding this account but never materialized. Ive requested XXXX XXXX to mail me a debt validation letter providing proof of debt ( current balance due ) and confirmation of late payments over the phone through customer service. However, XXXX XXXX did not follow any of my consumer rights of validation and could only verbally repeat this statement that the information is accurate. This account is now displaying as a Closed-Charge Off status, with a Consumer Statement Profit and Loss write-off. They are currently reporting this account as being delinquent to all 3 of the Credit Bureaus as late payments which in inaccurate. Here are some of the most recent dates which theyve reported this inaccurate information to the CRAs as late payments and misstating the balance due : XX/XX/XXXX ( delinquent amount- $ XXXX-late 30 days-XXXX reporting but XXXX reporting is different for the same month-XX/XX/XXXX( delinquent amount- $ XXXX-late 60 days,XX/XX/XXXX ( delinquent amount - $ XXXX- late 60 days ), XX/XX/XXXX( delinquent amount - $ XXXX-late 90 days ), XXXX ( delinquent amount - $ XXXX collection/charge-off-profit and loss write off ),XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( balance- $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), andXX/XX/XXXXdelinquent amount - $ XXXX collection/charge-off-profit and loss write off ), which is in violation of the Fair Credit Reporting Act ( FCRA ). There many other inaccuracies regarding this account which are being reflected on my credit report such as Date Opened-different dates-XXXXXX/XX/XXXXand XXXX & Equifax-XX/XX/XXXX Date of Last Payment-different dates-XXXX-XX/XX/XXXX Equifax-XX/XX/XXXX, and XXXXXX/XX/XXXX- Last Date Active-XXXX-XX/XX/XXXX and XXXX & Equifax- XX/XX/XXXX -- - proof of reported inaccuracies. Per XXXX Credit Report,XX/XX/XXXX OK reporting with a balance of {$4100.00} but inXX/XX/XXXX-30 day late mark with balance of {$3700.00} with a paid amount of {$410.00} displaying a {$230.00} past due balance and the scheduled payment account is {$110.00}. The {$3700.00} balance remains the same from XX/XX/XXXXto XX/XX/XXXXwhich now displays {$2600.00} ( decrease ). However, amount paid is still displaying as {$0.00} with a C/O status. The responded back onXX/XX/XXXX, advising that XXXX is merely a furnisher of credit information, and not a credit reporting agency, and has no control of the contents of credit histories maintained by any credit reporting agency. However, all negative and delinquent late reporting is still displaying under XXXX XXXX and not XXXX XXXX XXXX. Also, I NEVER received anything by mail or was told anything verbally about XXXX taking over this account. XXXX XXXX stated that this account was last reported to the credit reporting agencies on XX/XX/XXXX as a Charge Off with a balance of {$2600.00} which is not accurate ( see below for last reporting and other prior reporting listed above as well. XXXX XXXX  sent many documents such as the contract which I never disputed that this was not my account and payment records which confirms that inaccurate information was reported to the CRAs which is tremendously affecting my credit score. Another conflict which was in their response letter, they stated that my next payment was due XX/XX/XXXX but they have a letter that was documented onXX/XX/XXXXwhich I didnt received by mail, stated that my next payment due is XX/XX/XXXX. My credit reports stated that this account has 75 month term but in their response letter it clearly states 72 month term. There are TOO MANY PROVEN INACCURANICES, I ask that this account be PERMANENTLY REMOVED from my credit report as they have violated so many FCRA requirements of my credit report. I also would like an UPDATED credit report reflecting that this account has been removed. Latest Reporting : Delinquent Account XX/XX/XXXX XXXX XXXX A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Automobile Financing Company A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Account Number ******* Amount Delinquent {$1300.00} Payment Status Collection/Chargeoff Consumer Statement Profit and loss write-off This account be permanently removed from my credit report.

Company response to consumer: Closed with explanation