Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX XXXX XXXX was sold by XXXX XXXX XXXX at an auction after voluntary repossession, but I never received a deficiency letter nor proof that it was sent out after many requests. 

XX/XX/XXXX - I called XXXX and spoke with an agent named XXXX with no agent ID. I explained what I was looking for from XXXX representative XXXX, who advised that they do not have the deficiency letter in their system, that the previous servicer did not provide that information, and that a certified letter was mailed to me. I asked for that certified mail information, but she could not provide that for me, and I advised her that I had never received a letter from XXXX XXXX XXXX disclosing a deficiency after the sale of the vehicle on XX/XX/XXXX. I disputed the accuracy of the information to the credit bureaus, but still, the information doesnt reflect accurately. XXXX also stated that XXXX XXXX XXXX does not have a record of any information on my file from XXXX XXXX XXXX before XXXX. After speaking with XXXX, I spoke with her immediate supervisor, XXXX, who advised that the Previous Servicer who was no longer eligible to service my account did not provide this version of Freedom Truck Finance with the information on the sale of the truck after the voluntary repossession. They also did not have information on the voluntary repossession due to my illness at the time, which prevented me from driving any longer. The person I coordinated that with at the time was XXXX XXXX via email : XXXX and via telephone number : XXXX, which is no longer in service. I asked XXXX about his statement in reference to XXXX XXXX XXXX not being the servicer and which company I was speaking to at the time. He advised that I was speaking with XXXX XXXX XXXX, so I questioned why he stated that XXXX XXXX XXXX no longer serviced my account if they were the same company and why they did not transfer all my files documenting every transaction on over when and if this is the same company operating under the same system. 

I do not believe this is a legit company as they can not provide me with any documentation. 

All letters I have mailed out to XXXX XXXX XXXX have been returned non deliverable. I believe this is not a legitimate company. 

I'm questioning how they're able to update my credit profile without a paper trail and without information prior to XXXX until I submitted my last document as proof in a credit dispute. 

XXXX XXXX XXXX is stating false information on my credit report against me. All three credit bureaus are not thoroughly diving deep to investigate and correct errors nor remove this account as it is false information with no proof. 

This company 's false reporting and the credit bureaus not correcting this account has affected my family from being able to buy a home and has contributed to affecting my health as a total XXXX veteran. 

Timeline : Purchase Amount : {$59000.00} Down Payment : {$10000.00} Unpaid Balance of Cash Price : {$49000.00} Principal Amount Financed : {$49000.00} My monthly payments were : {$1500.00} ( See contract attached ) My monthly payment began Friday, XX/XX/XXXX, with the first month of delinquency being XX/XX/XXXX. So, from XX/XX/XXXX, to XX/XX/XXXX, I made eight payments of {$1500.00} totaling {$12000.00} which would leave a balance as of XX/XX/XXXX- {$37000.00}. 
The XXXX XXXX XXXX was voluntarily repossessed on XX/XX/XXXX, leaving 3 months ( XX/XX/XXXX to XX/XX/XXXX ) without a payment which adds up to be {$4600.00}. So, the amount owed would have been {$42000.00} ( {$37000.00} + {$4600.00} = {$42000.00} ). 

The amount XXXX XXXX XXXX XXXX XXXX is reporting reflects the amount past due is {$46000.00} and a balance of {$49000.00} with a charge off amount of {$49000.00} with a date of First Delinquency reflecting XX/XX/XXXX specifically meaning I WAS NOT delinquent for 8 payments from XX/XX/XXXX to XX/XX/XXXX.