Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

In XXXX of XXXX I contacted XXXX XXXX and let them know I would be XXXX in XX/XX/XXXX to request XXXX XXXX XXXX. The representative let me know to send in my XXXXXXXX XXXX XXXXXXXX paperwork and the request would be processed. She told me to reach back out in 10 days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : 1. Late payments would be reported to the credit bureau if I become late 2. Even if I become more than 90 days late, my vehicle would not be repossessed as part of the XXXX benefit. 
XXXX. I was eligible for four deferements as a result of the XXXX benefit. 
XXXX. My interest rate would be updated to 6 % and any future payment made would be applied based on the updated interest rate. 
XXXX. I would be eligible for the XXXX benefit for 24 months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. 

I reached back out to XXXXXXXX XXXX on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the XXXX team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. 

On XX/XX/XXXX, I would injured in duty and was put in a military treatment facility. I was initially released on XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to inquire because my credit report was saying that I was not 60 days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested XXXX  coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. 

I called and spoke with several supervisors at XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX to plead my case for XXXX benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was XXXX  and in a military treatment center until XX/XX/XXXX when I was released from XXXX XXXX XXXX 

I have since contacted XXXX to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the XXXX benefits available to me. My next step is to file a suit with the Department of Justice for non compliance of XXXX to assist me with these benefits and the unfair reposession and account balance that is now on my credit report. 

This inaccuracy needs to be removed immediately as I am entitled to my credit report being correct and free of inaccuracies. 

I am not seeking compensatory damages because the vehicle has already been sold and is now unreturnable. But I would like for this negative inaccurate account to be removed from my credit report immediately.