Consumer complaint received 2024-09-12
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. (AZ)

Equifax has repeatedly failed to investigate these accounts properly after I have repeatedly asked them to remove this inaccurate and extremely harmful information from my credit report, yet once again you have violated my consumer rights. I am respectfully demanding that the following accounts are removed from my credit report. You are reporting the same account twice on my report with XXXX different account numbers, although I have never been notified that this account was sold to a third party, nor are you indicating or identifying a third party in your documentation which raises a major concern as to how you are continuing to report twice on my Equifax report and cause double the damage for no apparent reason. I have asked you to investigate, re-investigate, given you factual dispute information, and you are still choosing to harm my credit in such a vulgar and vicious manner. The other bureaus discontinued this same issue due to the factual inaccuracies that I have shown and proven to you as well, yet you are not budging. I respectfully am asking again that you actually review all the evidence and remove these items from my credit report. Please do not rely on computer software, I am asking that an actual human being review and remove these items that have seriously caused me unnecessary harm for so long. This entire situation was not from my doing from the beginning. This account is from a trade in, XXXX XXXX, that I purchased a XXXX then traded it in for a XXXX XXXX XXXX from XXXX XXXX at a New Years sale, signed all documentation, went through finance and was told that I was approved, had the XXXX  for approximately XXXX months plus before receiving a phone call demanding that I bring the Armada back because it was not approved, I returned the XXXX, they gave me the XXXX XXXX back and they had not made any payments during the XXXX months I had the SUV which put me behind XXXX payments with a XXXX payment coming up when they gave me the XXXX back all because we had a verbal altercation when I returned the SUV after having it XXXX months and being lied to because they said I was approved. I know that is not your guys problem and its mine, but I had no money for a lawyer to fight them and they repossessed the XXXX XXXX shortly after I retrieved it from them. I am sure we would agree that this was very unethical business practice on their part. These are some of the things you all dont see nor weigh in dealing with all that you must deal with. I understand that, but please put yourselves in my shoes, not only was I wronged with the business transaction itself, but the creditor, XXXX XXXX, was understandably under the impression that I was an unreliable customer and aggressively attacked my credit inaccurately when I have had no power nor say so in any of this. I am not asking for sympathy, I am simply explaining to you that this is why I am so relentless to resolve this situation, I played no part in any of it these are the only derogatory remarks on my report! I have been fighting this for over 6 years now again with all the inaccuracies, damage to my report, this is all a result of what I just explained. I dont understand how any of it is legal. I was under the understanding that the XXXX was no longer mine, I owned the XXXX XXXX  but I still complied with their request to return the vehicle. 
XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX