Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, EQUIFAX, and XXXX credit reporting agencies are reporting inaccurate information on my credit report concerning an auto loan reported to the credit bureau by XXXX XXXX XXXX. XXXX XXXX XXXX. has reported different inaccurate information to XXXX, EQUIFAX, and XXXX concerning the true amounts of payments made on the account, the last date of payment received, in additional to reporting the number of days that the account has been delinquent. XXXX XXXX XXXX. is knowingly and willingly reporting false information to CRAS concerning the authentic status of the account. XXXX XXXX, XXXX, XXXX XXXX XXXX reported to XXXX that the auto loan account is past due " XXXX '', and that the last payment received was XX/XX/XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, reported to EQUIFAX that the auto loan account is " 90 days past due '', and that the last payment received was XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX reported to XXXX that the auto loan is past due " 60 days, and that the last payment received was XXXX. XXXX. '' Unfortunately, the mismatched information relation to the XXXX XXXX XXXX ' reporting is not accurate. My loan details are as follows : Vehicle : XXXX XXXX XXXXThe date of vehicle purchase : XX/XX/XXXX, First payment due date : XX/XX/XXXX. Required monthly auto loan payment : {$640.00}, amount financed {$27000.00}, finance charge {$18000.00}, annual percentage rate 18.18 %. Following is an accurate detailed history of the total complete payments made to XXXX XXXX XXXX on behalf of the debtor, during the life of the auto loan. " XXXX XXXX XXXX made, XX/XX/XXXX, for {$640.00} ( XXXX, XXXX XXXX XXXX ). '' " XXXX XXXX XXXX made, XX/XX/XXXX, for {$340.00} XXXX XXXX ending in XXXX XXXX XXXX XXXX ). '' " Debit Card Payment made, XX/XX/XXXX, for {$200.00} ( XXXX XXXXXXXX, XXXX XXXX XXXX ). " " Debit Card Payment made, XX/XX/XXXX, for {$100.00} ( visa ending is XXXX, XXXX XXXX XXXX ), " Debit Card Payment made, XX/XX/XXXX, for {$200.00} ( XXXX XXXX XXXXXXXX XXXX XXXX ), " Debit Card Payment made, XX/XX/XXXX, for {$440.00} ( XXXX, XXXX XXXX XXXX ), '' '' Debit Card Payment made, XX/XX/XXXX, for {$310.00} ( XXXX, XXXX XXXX XXXX, '' '' Debit Card Payment made XX/XX/XXXX, for {$200.00} ( XXXX, XXXX XXXX XXXX ), '' '' Debit Card Payment made for, XX/XX/XXXX, for {$200.00} ( XXXX, XXXX XXXX XXXX ), '' '' Debit Card Payment made for, {$440.00}, XX/XX/XXXX ( XXXX, XXXX XXXX XXXX, '' '' Debit Card Payment made for, XX/XX/XXXX, for {$65.00} ( XXXX, XXXX XXXX XXXX ), " '' Debit Card Payment made, XX/XX/XXXX, for {$660.00} XXXX XXXX XXXX, XXXX XXXX XXXX ), " '' Debit Card Payment made, XX/XX/XXXX, for {$470.00} ( XXXX, Auth Code XXXX ), '' '' Debit Card Payment made, XX/XX/XXXX, for {$88.00} ( XXXX, XXXX XXXX XXXX ) '' '' Debit Card Payment made, XX/XX/XXXX, for {$340.00} ( XXXX XXXXXXXX, XXXX XXXX XXXX ), '' '' Debit Card Payment made XXXX, XXXX, XXXX, for {$300.00} ( XXXX XXXXXXXX, XXXX XXXX XXXX ), was the very last payment directly made by the debtor on the account. As of XX/XX/XXXX, the account is delinquent XXXX XXXX and XXXX days from XX/XX/XXXX, XXXX XXXX, XXXX. Since the life of the auto loan, I ( debtor ) have only had three deferments on the account which were deferred specifically for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I ( debtor ) have not requested that any further loan deferments be placed on my account outside of the mentioned. Further the three loan deferments ( XXXX, XXXX, XXXX ) were done in a written agreement via electroclinic signature. I have not consented in way for additional deferments on the loan, nor do I approve of any form of additional deferments on the loan. XXXX XXXX XXXX, is fully aware that the last payment made on the account was XX/XX/XXXX, which is supported by the receipts, further XXXX XXXX XXXX is completely aware that the account is currently. more than 120 days delinquent, however XXXX XXXX XXXX continues to erroneously report fictious information concerning my account to CRAS, and the credit agencies have a duty to report only accurate information accounting to the law. Accurate credit reporting is necessary.