Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is additional information in addition to my current CFPB dispute ( with proof documents in previous dispute ). This is information I sent to XXXX today, XXXX XXXX, XXXX in response to their CFPB response. They did NOT provide me with all the legally required notices or the proof that they sold the car in a reasonably commercial manner. XXXX and Equifax allowed XXXX to further harm my credit report and report more inaccuracies and my score went down XXXX points on each report! XXXX is also reporting incorrectly, but the score did not change with the XXXX XXXX dispute. The information was wrong 3 years ago and continues to be reported illegally which is harming me in my ability to buy a house. My credit score is no longer high enough to purchase. Please delete this XXXX account from my credit immediately. See below for the text of my more detailed response to XXXX today : First, I absolutely never disputed this account 7 times. I only disputed once on all 3 bureaus years ago and then once again in XX/XX/XXXX ( that is a total of 2 disputes on each credit bureau ). I do not know where that inaccurate information is coming from, but I would never dispute an account 7 times, and XXXX doesn't even allow more than 1 dispute within a certain amount of time. 

More importantly, I was not given proof as legally required and requested in my mailed certified letter that the car was sold in a commercially reasonable matter. Please send me the documentation of the sale of the car at auction or private sale as I requested and am legally entitled to. Furthermore, the notice that you just sent me in XX/XX/XXXX ( which I never received in the past in XXXX ) states the car would be sold at " private sale sometime after XXXX ''. That does not give me a date it would be sold as legally required in NC. What date was the car actually sold, to who, and for how much? You are required to prove that the car was sold in a reasonable manner because the car was worth more than {$15000.00} at that time ( leaving a {$10000.00} balance ) and a XXXX XXXX holds its value. The XXXX XXXX value was still around the {$24000.00} that was owed at that time. I should not owe you any money. It is not reasonable to pick a random oddly even number, might I add of {$15000.00} and then say I owe the rest when no proof of the sale is given. You could have kept the car and resold it yourself for {$25000.00} for all I know. NC state law requires that you provide me this evidence. 

Finally, XXXX has reported this account wrong for the last 3 years. They changed dates and the status of the account multiple times. I disputed this account years ago, and it wasn't updated correctly, but my credit score did remain the same. Now, in XXXX XXXX when they sent in information in response to this dispute to the credit bureau, both my Equifax and my XXXX went down XXXX points! I have already given up my lease of my townhouse in anticipation of buying a house, but they are further destroying my credit and now my credit is not even high enough to buy a house. If you were reporting correctly, my report score would be the same all 3 years and the score would also be the same. It is not fair that XXXX just gets to report inaccurate information whenever it wants which results in consumers credit scores suffering. It is illegal! I am again requesting removal of this account because you have not provided proof that the car was sold in a commercially reasonable manner, and I do not agree with the amount of the balance you say I owe plus inaccuracies have been reported to all 3 bureaus for the past 3 years. You have and continue to report random numbers that don't even reflect what is on your paper work and have changed dates of major delinquency, and the history of the accounts with status codes is different during different years of my credit reports. All of this has harmed me as a consumer in the past and is doing even more damage now. I have been active monitoring my credit for years and know what has been reported during each year. I also have paid ALL past due accounts on my credit because it is what I owed. I do not owe XXXX, and they are violating the law. This is the only negative item with a balance reporting on my credit report.

Company response to consumer: Closed with explanation