Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: NY
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:
I went to XXXX XXXX to lease my first vehicle in XX/XX/2018. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. To add insult, I told them I dont want the car and I drove to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call to have a tow pick it up which now they are trying to charge me XXXX dollars for. In addition, I had a remaining loan balance of XXXX. They falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. Till this day i received no correspondents regard sell and on a phone call PRIOR TO XX/XX/XXXX ON A RECORDED LINE A REP FROM XXXX STATED THE VEHICLE WAS NOT SUPPOSE TO BE ON MY CREDIT AND THAT IT HASNT EVEN BEEN SOLD YET. IN ADDITION, The contract states Im responsible for the remaining monthly payments plus a termination fee. I read this contract and took a picture no where does it say I have to pay anything more than that. This is in print stating my responsibility when i voluntarily returned the vehicle due to false pretenses that i am only liable for remaining monthly payments. Therefore, i am liable for the balance remaining after the selling of the vehicle. At this time, THE VEHICLE STILL HAS NOT BEEN SOLD NOR HAVE I RECEIVED ANYTHING REGARDING SUCH WHICH IS IN FACT MY LEGAL RIGHT. THIS COMPANY IS BREAKING THE LAWS SET IN PLACE TO STOP THESE ISSUES. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account and that the company has nothing to do with false practices by the dealer. Today, It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected. IN ADDITION, XXXX XXXX HAS MADE NO ATTEMPTS TO RECONCILE. IVE SENT NUMEROUS EMAILS AND LEFT A VOICEMAIL AND NO ONE HAS TRIED TO FIX THIS SITUATION. This is a consumer finance protect complaint, I expect my finances to be protected as well as my person and credit. LASTLY, its being reported as a delinquent account I NEVER MISSED A PAYMENT. I LEFT VOLUNTARILY IN GOOD STANDING DUE TO MALICIOUS PRACTICE BY XXXX. I have attached their contract in regards to voluntarily returning the vehicle. It clearly states in print I will owe remaining monthly payments only. Not what they are alleging. Please stop the scams. The text message is from a worker who obviously confirms things will be fixed and it can be worked out.

Company response to consumer: Closed with explanation