Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX the bank removed me from the payable accounts that paid these loans and by XX/XX/XXXX I did not have access to their online banking system to view these loans at all. 

XXXX loan- XX/XX/XXXX order shows " father '' was ordered to make the XXXX payment, and again in the XX/XX/XXXX order. 
He never made the payments, so I was forced to. The following payments were made by me- XX/XX/XXXX check # XXXX $ XXXX by XXXX XX/XX/XXXX check XXXX XXXX $ XXXX by XXXX XX/XX/XXXX check # XXXX XXXX XXXX by XXXX ( the ticket notes this brought XXXX loan current ) XX/XX/XXXX check # XXXX $ XXXX by XXXX ( on time payment ) XXXX was repossessed without notice. ( no text, call, email, letter, verbal, or otherwise ) XX/XX/XXXX {$10000.00} check # XXXX paid off balance {$9700.00} for the XXXX. 
a reimbursement check for {$350.00} was issued to me from this total. 
The difference of {$400.00} is towing, storage, etc. I was charged for. 


The bank has a history of accepting late payments and never sent a Cobb letter to notify me of their intent to stop accepting them. 

The payments at this time were on time, and less than 30 days had passed since the previous up to date ) payment. ( note pay ticket on XX/XX/XXXX stating ( bring loan current ) and the regular scheduled payment made on XX/XX/XXXX. 

I received no notice of their intent to reposes the vehicle, and I did not receive documents on the day of repossession, they just took it while I was working and never notified me. I walked out of work at the end of the day and it was gone. I had to call the bank to ask if I needed to report it stolen or if they were involved. The vice president informed me they had taken it and all of my belongings were still inside of it. I was not notified when the vehicle was taken, although it was taken from my work, during business hours. 


HELOC account- XXXX order states " father '' is to make payments for this account also. House was sold on XXXX and credit reports show past due payments for XXXX and XXXX. 
XX/XX/XXXX was the lift of the peacetime emergency. XX/XX/XXXX to XX/XX/XXXX would not match the late payment statuses posted on my credit report. 
A peacetime emergency states on line 4. 

" Financial institutions holding home mortgages are requested to implement an immediate moratorium on all pending and future foreclosures and related evictions when the foreclosure or foreclosure-related eviction arises out of a substantial decrease in income or substantial out of pocket medical expenses caused by the COVID-19 pandemic, or any local, state or federal governmental response to COVID-19. Financial institutions are also strongly urged not to impose late fees or other penalties for late mortgage payments related to the COVID-19 pandemic. '' I left a copy of this information with the bank and they were going to consult with someone about removing the late payment statuses. They since stated they would not remove them.

Company response to consumer: Closed with explanation