Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: GU
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:
I am XXXX XXXX XXXX XXXX, Victim Identification Number XXXX within the US Department of Justice Victim Notification System. My current bank is exhibiting the same behaviour as my previous bank that led to the criminal cases justifying the the assignment of my current victim identification number. It is possible that the culprits in the previous Department of Justice cases have started again against my banking accounts and identity. My current complaint is as follows : XXXX  XXXX bank was grossly negligent in causing a 30 day late payment on my XXXX XXXX Auto loan account. I have two direct deposit incomes into my XXXX XXXX XXXX  checking account. One direct deposit of {$3400.00} is deposited on the XXXX day of each month. The second direct deposit of $ 1,700.00+ is deposited on the XXXX day of each month. I established automatic payment transfer from my XXXX XXXX checking account to pay my XXXX XXXX XXXX auto loan account. For the last 16 months, the bank has paid the auto loan from my checking account as agreed. On the first day of XX/XX/XXXX, my direct deposit of {$3400.00} entered my XXXX XXXX XXXX checking account. The bank subsequently debited my checking {$520.00} and paid my XXXX XXXX XXXX auto loan as I have previously arranged. The bank has done so for the last 16 months on the first day of each month. I departed my residence on the Island of XXXX to visit family members living abroad on XX/XX/XXXX. Upon returning to my residence on the island of XXXX on or about the XX/XX/XXXX, I discovered the bank negligently failed to transfer {$520.00} from my checking account to pay the auto loan. Although my {$3400.00} direct deposit entered my checking account on the XX/XX/XXXX, the bank negligently failed to make the automatic payment from checking to the auto loan. I then withdrew {$1000.00} and paid the Auto loan twice. One {$500.00} payment for the month of XX/XX/XXXX and the second {$500.00} payment for the month of XX/XX/XXXX. Although the bank personnel apologized for the oversight, the bank still damaged my credit rating by placing a 30 day late payment on my XXXX and Equifax credit reports. I request immediate assistance at reversing the banks unjust intentional negligence and a immediate restoration of my good payment record on my auto loan. I believe the bank to have acted in reprisal against me because of a complaint I filed to the banks headquarters reference the banks unfair pattern and practice. Please assist at preventing unfair pattern and practice conducted at XXXX XXXX XXXX. 

I further demand that XXXX XXXX XXXX  correct the status of the payoff of my XXXX XXXX XXXX  mileage plus credit card. The card was paid in full via a consolidation loan with XXXX XXXX XXXX. XXXX XXXX Bank has reported fraudulent information to Equifax and XXXX claiming the credit card to have been closed by the consumer with a balance due. The credit card was paid in full via a consolidation loan with XXXX XXXX XXXX. There should not be a balance due on the credit card. The banks unfair pattern and practice coupled with its blatant fraud upon my credit report has damaged my credit rating.

Company response to consumer: Closed with explanation