Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: CT
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:
Hello Im XXXX years old and this unfortunate event has led to the destruction of my long worked for great credit. On XX/XX/XXXX of 2022 I slid on ice totaling my XXXX XXXX XXXX limited. I had my loan with XXXX & XXXX XXXX. This was my bank for the car. I owed an outstanding balance of {$7900.00} for me vehicle. After breaking my arm and wrist in the accident and needing XXXX, I called my bank on the XXXX of XXXX. So did my insurance XXXX to inform them of my car being totaled and that the full payout for the remaining amount would be paid to the within 7-10 days. XXXX XXXX XXXX was being bought out by XXXX XXXX. The worker I spoke to on the phone did not report my car as totaled after informing her so. The most important issue, when XXXX called XXXX to get the payout address THE WRONG ADRESS WAS PROVIDED BY MY BANK! but I didnt know this because XXXX thought it was correct as it should have been. XXXX would have no reason to think otherwise when asking for such basic information. XXXX sent the check out ASAP, On the XXXX of XXXX. The check arrived at its wrong destination on the XXXX. Issue is, IT WAS THE WRONG ADRESS PROVIDED! I was still unaware of this and was contacted about an issue with my car loan. Fast forward to XX/XX/XXXX. 2 months later, i received a statement in the mail, keep in mind this is first time Im informed by my bank that they had not received the check. They said I was late two months payments and now owed them {$700.00}. I swiftly called them to get this sorted out and after a 3 way phone call with them and XXXX we came to the conclusion that XXXX was provided the WRONG payout address by a bank representative and that is what caused the check being mailed to not be received in time. I reached out to XXXX & XXXX to inform them that the mistake was on their end and now Im in a bad situation unable to get a car loan because of this. They refused to help after I filed the dispute directly with them. Human error was on their end. It deeply saddens me that no one has been able to resolve this matter. The bank did not change my payment to NOT LATE, I was never late for payment on this loan and I can not go my life with this mistake on my credit report. The only further evidence I have to support my end is that XXXX released the documents to me, stating exactly the address that was provided by XXXX on XX/XX/XXXX and it was incorrect. I also then have the correct address that was provided on the XXXX way phone call that day the XXXX of XXXX when the full check was RE-ISSUED attached below. Without my diligence this wouldve never been figured out. They can not hold me responsible for a human error on the banks end. Its now affecting my life personally and Im going to have to get a lawyer if I can not find another way to get this fixed. Thanks for your help and please reach out with any questions or need any evidence. XXXX XXXX

Company response to consumer: Closed with explanation