Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX I lost a motor in my XXXX XXXX. After careful consideration and looking at the cost to replace the motor we decided to move forward with locating a new truck. 
On XX/XX/XXXX I contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI In regards to stock number XXXX #. XXXX XXXX XXXX 

I explained to XXXX that we where in dire need to locate a truck ASAP as I had been out of work for almost 8 months due to an accident on the job. 
I expressed interest to have XXXX to email me what the warranty covered as well could there be additional years added to the truck! 

On XX/XX/XXXX After waiting Three days with no correspondence from XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX reassured me that he would have his used truck manager XXXX call me first thing Monday morning. 

On XX/XX/XXXX XXXX contacted me via telephone we had a very good conversation. 

I explained to XXXX that I had found a truck that I was interested in but had not got the sales person XXXX XXXX to return any info on the truck. Out of respect to XXXX XXXX XXXX said he would reach out to XXXX as he did not wish to step on anyones toes reluctantly I agreed. I did receive an email from XXXX XXXX later on that morning with the warranty information attached. Only after XXXX intervened. 

After negotiation we settled on a price to include a two year Red oval warranty of {$54000.00} with {$11000.00} down payment. 

I drove up from XXXX to the Wisconsin location on XX/XX/XXXX I took the truck for a test drive and sent a text To XXXX XXXX  with a list of items that needed to be addressed prior to us moving forward with the purchase of this truck. XXXX was not present there was another person who took me on a test drive who knew absolutely nothing about the truck any of its functions and could not even answer basic questions. 

On XX/XX/XXXX XXXX we were preapproved through XXXX XXXX. I expressed my concerns with the items that I had found wrong with the truck at this point there was still nothing fixed or even addressed. XXXX told me they would not even address anything until I was approved on the trucks finance. Again I reiterated to XXXX the urgency of us to obtain a truck. Though correspondence via text we still did not know until late Sunday night that we were going to be able to pick up the truck XX/XX/XXXX On XX/XX/XXXX my wife and I drove up to Wisconsin to receive delivery of the truck. XXXX never showed us any operating functions Of the vehicle. 
basically we met him and signed paperwork and received delivery. At the point of delivery we were told XXXX would would need to set up an automatic withdrawal from our checking account. I questioned this and I was told by XXXX that I could contact the finance company and I could probably change the date to make it more convenient for me that simply is not true. 

XXXX and I had determined that XXXX XXXX in Wisconsin would not be able to perform the repairs needed in a timely fashion. so I excepted delivery of the truck with the condition and, contingency that I would be able to go to XXXX XXXX in XXXX On Tuesday, XX/XX/XXXX to have the repairs done XXXX set this up as a convenience to me. 

We dropped the truck off on XX/XX/XXXX at XXXX XXXX location XXXX, Illinois I dealt with XXXX XXXX XXXX he assured me that they would fix whatever was needed to make the truck compliant. 

On XX/XX/XXXX we picked up the truck from XXXX location XXXX, Illinois after receiving the bill I was told The cost was almost {$7000.00} worth of repairs most of which was ran through my warranty. 

On XX/XX/XXXX I went to start the vehicle after a battery check was performed and 1 battery was replaced at XXXX XXXX in XXXX the truck would not start. I had to call a wrecker to have them start the unit. Which cost me additional funds to do so. 
I texted XXXX on Saturday morning in regards to this issue I never got a response back I had to call him on Monday XX/XX/XXXX On XX/XX/XXXX I arrived at my new place of employment were they conducted a DOT inspection of the vehicle only to find a leaking wheel seal and a bad bearing on that axle, in addition to a cracked torsion bar on the axle. After The third DOT being performed on this truck since XXXX of last year. 
Again I contacted XXXX at the XXXX, Illinois On XX/XX/XXXX I contacted XXXX XXXX I spoke with XXXX XXXX. 
I expressed my concerns about my payment being due XX/XX/XXXX I explain the situation about the absorbent amount of repairs that had been been done to this truck and that It had put me out of work for two weeks. 

I requested they the redo the loan documents and was told by XXXX XXXX that they would charge me a new load doc fee again if re-did the loan of {$500.00} After a lot of going back-and-forth with XXXX XXXX. 
I was assured that they would work with me and was told by XXXX XXXX that I had a Grace period to pay the loan. I repeatedly asked multiple times in multiple conversations with XXXX XXXX clarifying that this would not go on my credit report it would not affect me negatively. XXXX XXXX assured me that it would not. 
Unfortunately I did not get that in writing in hindsight. 

On XX/XX/XXXX I went to purchase a new trailer for my business. 
I applied for a loan through XXXXXXXX XXXX. The loan officer contacted me the following day and told me that I had delinquent credit from XXXX XXXXXXXX XXXX. Up till this point I had no knowledge of this. 

On XX/XX/XXXX XXXX I contacted XXXX XXXX At XXXX XXXX. 
I explain to XXXX that there was A negative report on my commercial line of credit on XXXX XXXX 
After going back-and-forth reluctantly XXXX XXXX provided me a letter from XXXX XXXX XXXX stating that I had paid as agreed and that I had paid on time. 
I requested XXXX XXXX to remove this from XXXX XXXX  and reminded him of our multiple conversations that this would not negatively affect my credit and that XXXX XXXXXXXX XXXX   would not report it as delinquent. He absolutely refuses to remove it. XXXX XXXX told me that they could not remove this from my credit report. That XXXX XXXX was the only one that could remove it. So I called XXXX XXXX Directly the following day. 
I spoke with XXXX XXXX in their credit reporting department and she told me they could not remove it that only XXXX XXXX could do so. Case number XXXX XXXX XXXX number. 
In closing I filed a complaint with XXXX XXXXt. 
XXXX XXXX responded stating that the information was correct and there was nothing to change. So I requested to speak to his supervisor XXXX XXXX I have called him on several occasions and he has never returned my call. 

In conclusion on XX/XX/XXXX I received an email from XXXX XXXX stating that XXXX XXXX agree to remove the delinquent payments but they would not report any additional payments moving forward. This is a 32 month loan I have made 4 payments total. From the start of the sale to the end of the sale through the whole process I have been lied to by the sales person by the repair people in the shop by the financial institution that financed the truck. There is also an outstanding repair bill that they agreed to pay in the amount of {$1200.00} to date they have not paid the service advisor in XXXX offered {$200.00} of the bill. 
Thank you for your time and consideration sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation