Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: GA
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:
In XXXX I noticed that my credit score dropped but I hadn't made any credit purchases and all my bills were current ( so i thought ). I contacted the credit bureaus they said that XXXX XXXX was reporting late payments. My wife is a co-borrowers on this account. She filed for bankruptcy and her lawyer listed the XXXX account in her bankruptcy, unbeknownst to me. 
I called XXXX XXXX to get an understanding of what was going on, as well as to explain what I believed was happening. I have never been 30 days late on this account but because we were not getting any bills, I missed the next due payment. I wanted to make sure we were not missing anymore payments and to possibly get some type of courtesy because of my good payment history so I called XXXX. I spoke to a representative who told me the account was in the loss mitigation, there would be no reporting on the account because of bankruptcy and no payments will be taken from my wife or me, nor would they be sending statements. 
I call back and speak with a gentleman in Loss Mitigation and again he told me that because this was in a bankruptcy, no reporting was to be done on this account with the credit bureaus, he couldnt take a payment from me and they would not send me any billing statements even though I was not apart of the bankruptcy ( I am the principal borrower ). 
So I am under the assumption that no payments can be made, so I hold the funds in an account. I then get another message from the credit bureau that my credit score has now went from XXXX to XXXX because XXXX IS reporting late payments for me. I contacted the XXXX bankruptcy or loss mitigation to see what steps to take to go forward with this inaccurate reporting. A rep says there was nothing that she could do about this but I could write a letter. I said I would rather speak to someone to get this started and asked to speak to a supervisor and she said the supervisor would tell me the same thing but she would transfer me. Speaking to the supervisor XXXX XXXX of Loss Recovery, she acknowledged that the account was in bankruptcy but I am not in bankruptcy so although payments are due for me and not my wife, they still cant take any payments, but I can go through a 3rd party to make payments and there was nothing else that I could do. I explained to her that when I spoke with someone in her dept previously, they said it should be no reporting on this account because it is in bankruptcy and I wont receive statements because it is in bankruptcy. The supervisor proceeded to say it is my issue and there is nothing else that can and will be done and it is what it is. The bankruptcy Lawyer also acknowledged that while this account was in bankruptcy there should not be any reporting on it and that he would be happy to report that to XXXX XXXX. 
After not receiving ANY customer service, I paid the 2 months to bring the account current, but XXXX declined to report my payments, saying I needed to have a document of Reaffirming the car, but this is not a car loan, but a lease and according to the attorney, there should be no reaffirming on a lease vehicle. XXXX then sends a letter in the mail to me and a separate letter my wife ( attached ) saying that unless this indebtedness has been excepted, I am not obligated or liable to this account, and if I want to continue receiving statements, to sign and return the letter. Both my wife and I mailed the document back but nothing was done. I was never in bankruptcy but half of infinitis bankruptcy rules apply to me, while others dont. The result of this issue has caused my credit which was otherwise good to be destroyed during this covid, financially strapped environment because of these 2 payments that we were not billed because of the bankruptcy but was reported to the credit bureau. All representatives of the finance company flatly refused any support, as if I was a habitually late customer.

Company response to consumer: Closed with explanation