Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX a subsidiary of XXXX XXXX mishandling of customer account XXXX XXXX has done damage to my credit that resulted in drastic decrease of my credit score in time when I need to refinance my home. It was done under sketchy circumstances, yet they will still not honor their agreement to help rectify the situation. 

Sequence of events that transpired during this event Below are  files that speak to the facts. 

In late XXXX I made a two-month payment on XXXX account, and the following weekend decided to trade up for XXXX. The amount was {$2100.00} paid on XX/XX/XXXX. 
Payoff quote that customers can generate in XXXX XXXX portal did not reflect this payment even weeks later. XXXX manager and I worked with the assumption that the payoff is as stated in XXXX portal : {$49000.00} On XX/XX/XXXX the deal with XXXX was finalized, and the manager told me the great news ; as XXXX was working with XXXX on balance, they discovered the pay-off was lower {$47000.00} as reflected in the purchase agreement. Something to the fact that dealer pay-off is typically less than customer pay-off, but the difference above considers with my XXXX payment. 
In mid-XXXX I did receive a check for the difference : {$49000.00} ( XXXX balance ) - {$2100.00} ( my XXXX payment ) = {$47000.00} ( Payoff amount confirmed via dealer payoff ) XXXX contract due to XXXX {$47000.00} ( Trade-in balance on XXXX purchase order ) - {$47000.00} ( paid to XXXX ) = {$100.00} ( overpayment for which I received a check for ) Subsequently XXXX XXXX account was closed Between XX/XX/XXXX and XX/XX/XXXX Equifax, XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, I kept getting calls from XXXX about late payment, but considered it to be out of sync systems, and took no action until the late payment was reported to me via mortgage lender, I was negotiating home refinance with. 
Somehow XXXX has reopened my account : Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX XXXX automotive account balance increased by {$2100.00} from {$0.00} to {$2100.00}. 
This resulted in even more negative effect on my credit score as the amount I owe increased during the time I was refinancing my home, and the lender of my choice pulled out. 
I reached out to XXXX via XXXX XXXX portal messaging, then talked to their rep, they told me there was discrepancy in pay off amount and that I need to work with XXXX to provide additional payment and when done they will remove derogatory remarks from my credit report. 
I did all this ; XXXX provided the additional payment XXXX had requested and when I reached out to XXXX again asking for the removal of derogatory remarks, they responded with a canned reply that I should send in a written request to them for rectify the issue. 
I grew tired of dealing with this and decided to pursue other actions to raise awareness of misconduct on XXXX XXXX part and what they do to their once loyal customers.

Company response to consumer: Closed with explanation