Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: AL
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 was contacted in early XX/XX/XXXX to do an early-lease turn in/trade by Passport XXXX XXXX XXXX, VA, which is where I purchased/leased the vehicle in question. ( NOTE : That loan/lease started in XX/XX/XXXX and would mature XX/XX/XXXX ). After several " over-the-phone '' discussions, a deal was reached toward the end of XX/XX/XXXX, to which the dealership and XXXX XXXX XXXX ( XXXX ) agreed, along with myself. Because I live in Alabama and the dealership is in VA, the new truck had to be shipped, which ended up taking about 2 weeks for me to receive from that dealership. It was agreed that all payments for the old truck ( including any existing payments, property taxes, fees, etc. ) would be paid to XXXX  from the deal and that I was no longer individually responsible for making any more payments to XXXX on the old truck and that I could continue to drive it until I receive the new truck. I was specifically told ( & provided a letter ) that I did not have to worry about the remaining payments ( XX/XX/XXXX through XX/XX/XXXX ). In XX/XX/XXXX, I had been in the process of buying a home at the time and my mortgage guy discovered that XXXX was reporting me late to all three credit bureaus for XX/XX/XXXX. I contacted XXXX and after several attempts at correcting this error, finally got a letter from XXXX stating the XX/XX/XXXX should be removed. I'd also received a voicemail from XXXX XXXX of XXXX stating they were using the XXXX XXXX, XXXX as the ground date of the lease turn in and have in fact sent a correction to the credit bureaus. Thinking that was the end of the situation, I continued to meet other obligations in the home buying process but was told we'd have to re-pull credit in order to ensure the XXXX account updated accordingly. Well low & behold, in early XX/XX/XXXX when my mortgage guy re-pulls credit, XXXX is now reporting me late for XXXX XXXX. I immediately contacted XXXX   via phone on XXXX and was told to forward an email of what I was seeing on my credit report. I sent the snapshot to " XXXX XXXX '' of XXXX and he stated he'd look into it and get back to me. I never heard back. I then contacted XXXX again on XXXX, this time with the dealership ( XXXX XXXX, XXXX ) on the line with me. We spoke with XXXX XXXX of XXXX and he asked me to forward a copy of the snapshot to him, which I did and he said he'd handle the matter. He sent me a letter, but it only addressed the XXXX XXXX late payment removal, not the XXXX XXXX removal. Since then, I've called XXXX again on XX/XX/XXXX only to be told there's nothing additional they can do. Further, I've been in contact with XXXX Consumer Affairs almost weekly since XX/XX/XXXX trying to get the matter resolved but to no avail. Together, myself, XXXX Consumer Affairs and then myself & the dealership ( XXXX   XXXX, XXXX XXXX, XXXX ) spoke with XXXX and the XXXX XXXX XXXX. on XX/XX/XXXX. They informed us that the ground date they were using is XX/XX/XXXX. As I explained, even if that's the case ( which was not the agreement ), I still would not be considered late as my actual due date is the XXXX of the month, with a 15-day grace period. XXXX, the floor supervisor, asked for my number and promised that he'd look into the matter and call me back. I have yet to hear back from him or XXXX. Again, I ask, why would XXXX be reporting me late on a vehicle I timely turned in and that I in fact did not even own any longer??? 

Needless to say, by now, I am literally livid with XXXX and worn out from all of this, not to mention have lost my ability to qualify for a home. Thus, I filed a complaint with the XXXX XXXX XXXX. XXXX responds to that compliant stating they addressed the XX/XX/XXXX error but also says they did NOT report me late for XXXX XXXX. This is clearly incorrect as it is clearly shown on 2 of the 3 credit bureaus ( Equifax & XXXX ) reports that XXXX is reporting me late for XXXX XXXX. How are they reporting me late to two bureaus and not the other? I have a snapshot of the response that XXXX sent to the XXXX denying reporting me late. I also have a snapshot of my credit report showing clearly that they are reporting me late for XXXX XXXX. I simply want this matter resolved, which has always been my position, particularly because this has affected my LIVELIHOOD - I can't even get financed now to purchase my home!!!

Company response to consumer: Closed with explanation