Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: NJ
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:
I contacted Equifax on XX/XX/XXXX to dispute a XXXX XXXX XXXX Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted XXXX XXXX XXXX and they were not able to validate this account. First off let me say I do not have an account with XXXX XXXX XXXX. I did get approved for a car loan and did sign documents for the loan. XXXX XXXX XXXX Sent the check directly to the car dealership XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. 
( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from XXXX XXXX XXXX. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't XXXX XXXX XXXX want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly XXXX XXXX XXXX KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? 
I contacted XXXX XXXX  XXXX directly on XX/XX/XXXX @ XXXX XXXX talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for Equifax to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting XXXX XXXX XXXX via certified mail, I sent proof of the validation request, and a screenshot to Equifax showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.

Company response to consumer: Closed with non-monetary relief