Consumer complaint received 2021-09-15
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 have filed SEVERAL complaints over the past year against XXXX XXXX auto loan. I totaled my car and my insurance company sent them the amount of the worth. There was still a balance of {$5000.00} due. I was SEVERELY effected by XXXX and lost many of my clients because they either went out of business or couldn't afford marketing anymore. After my loan came out of forebearance I still could not afford the $ XXXX/month payments. I called them and asked if there was any way to lower the monthly payments or keep me on forebearance and they said no they didn't offer anything and I had to pay the {$560.00}. When the first payment was due I still couldn't afford the payment and called again. They then refused AGAIN to work with me in any way to lower the payment or offer any XXXX relief. I started saving as much as I could at this point but it was a struggle. They then started posted late payments onto my credit score which lead me not even to be able to take another loan out to repay them. I then made a {$300.00} payment in May to show that I was trying but then they posted yet another late payment onto my credit score. I file a complaint with the CFPB about this and get a call from some named XXXX from the " Office of the President ''. Every time I try and call XXXX back at his extension I never get him and it leads back to a rep who just wants to get me to pay. He then leaves a letter reply on my complaint saying that they want to work with me and call. I call and then get told by another rep that there is NOTHING they can do for me and I have to pay the amount. I then file ANOTHER complaint and again XXXX replies to call. I call and his extension is fake and I get ANOTHER rep saying they can not do anything for me in regards to XXXX relief and I have to pay. 

I then get a letter in the mail saying that my account was in closure and that I had to pay the full amount immediately. Not knowing what this means I call and speak to a rep. They tell me that I have to pay {$270.00} to keep it out of closure. Never explaining what closure of the account even means I thought I was okay since I recently paid {$300.00}. I file another complaint with the CFPB and then get a call from XXXX about it. I try and call her back the same thing happens all over again! I can never reach her and a rep tells me their is nothing they can do for me and I have to pay the full amount of the loan back. I tell them that I cant even afford the monthly payment and how can they expect me to pay the full amount. I then get a call from " XXXX '' from the office of the president and actually get to speak to her. She then tells me she is escalating the case and then I get a call from " XXXX '' and she leaves me an extension. I try and call her extension and the SAME THING happens all over again. When I hit " 1 '' to leave her a message it goes back to a rep that tries to force me to pay. This is like a GAME they are playing internally. Its a run-around in regards to dealing with my CFPB complaints! Yet they continually are posting late payments to my credit report which is killing any chance I have of getting out of debt.

Company response to consumer: Closed with explanation