Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

EQUIFAX AND XXXX XXXX NEED TO REQUEST THE TOTAL CASH PRICE XXXX XXXX XXXX GOT FOR THE VEHICLE.PLUS HAVE THEM CORRECT THE DUE THAT WAS APPROVED FOR XXXX OF THE MONTH. THE DUE DATE WAS NEVER LEFT AT THE XXXXTHE RETROACTIVE REQUEST OF THE LEDGER BALANCE WAS NEVER COMPLETED PRIOR TO THE UNAUTHORIZED INVOLUNTARY REPOSSESS THEY DID BEHIND THE CORPORATE OFFICE DURING A OPEN INVESTIGATION TO CORRECT THE DUE DATE, BALANCES, INTERESTES, UNAUTHORIZED FEES COSTS DUE TO THEIR MISHANDLED OF THE THE ACCOUNT.THESE CREDIT COMPANIES NEED TO HAVE THEM FURNISH THE CORRECT AMOUNT RECEIVED CASH FROM DEALERSHIP BASED ON THE LEASE INCEPTION CASH COSTS NOTED ON THE LEASE CONTRACT OF {$2500.00} MINUS ALL THE LATES FEES, INACCURATE INTERESTS CHARGES FOR THE DUE DATE NOT BEING CORRECTED FROM XX/XX/XXXX AS BEEN REQUESTED SEVERALLY BY THE FINANCE MGR AT XXXX XXXX XXXX NAME XXXX XXXX XXXX/ XXXX ALL MGRS CALLED NUMEROUS EMAILS ABOUT THE INACCURATE DUE DATE NOT CORRECTED. SEVERAL PHONES CALLS, DATES AND TIMES THROUGHOUT THE LEASE BEEN INCEPTION FROM XXXX.WE CALLED AGAIN ON XX/XX/XXXX @ XXXX EVEN BEFORE ACCOUNT WAS FUNDED.THEY REFUSED TO TAKE BACK THE CAR AND IT WAS LESS THAN 72HRS AS WELL.THEY TOLD THE DEALER THEY WILL GET IT CORRECTED AND THE NEW DUE DATE WILL BE XXXX ONGOING SET FOR XXXX OF EACH MONTH.YET, THEY MISHANDLED THE ACCOUNT WITH LOTS OF INACCURACIES AND REFUSED TO FURNISH THE EXACT AMOUNT VEHICLE SOLD FOR AT THE ACTION.NO RESPONSE OF THE EXACT AMOUNT, MINUS ALL UNAUTHORIZED FRAUDULENT REPOSSESS FEES AND COST THAT WAS DISPUTED TO THE FRAUD DEPARTMENT AT XXXX XXXX XXXX  EVERY MONTH ABOUT THE INACCURACIES OF THE FRAUD REPORTING AND THE CREDIT HISTORY IS NOT CORRECT AT ALL. IF THEY LIED AND PLACE {$38000.00} AS ORIGINAL LEASE CONTRACT AMOUNT.WHICH THE LEASE RESIDUAL VALUE REPORTED IS {$25000.00} WHICH BY LAW MUST BE HALF OF THE THAT AMOUNT IF ITS A LEASE NOT A FINANCE VEHICLE.THEY BEEN IGNORING ME.THEY STILL HAVE XXXX REPORTING THE INACCURATE LEAEE AMOUNT OF {$38000.00} THEN THE VEHICLE WAS SOLD FOR OVER {$36000.00} AS THEY STATED OVER 3MTHS NOW. YET, THE TRADE LINE IS NOT REMOVED OFF MY CREDIT WITH ALL THE INACCURATE LEDGER HISTORY EVERY MONTH.DUE DATE WAS NOT FIX, RESIDUAL AMOUNT OF LEASE {$25000.00} NOT {$38000.00} IF FINANCED.THE CORRECT LEASE AMOUNT AND DUE DATE STILL NOT REFLECTING ON CREDIT SINCE ITS A LEASE.FILED SEVERAL FRAUD DISPUTES WITH THE COMPANY REF # WAS GIVEN AND NO RESPONSE OF HOW MUCH THE VEHICLE WAS ACTION FAR.PLACE THE FRAUD DISPUTE AGAINST THE FRAUDULENT UNAUTHORIZED CHARGES BEEN IGNORED.THE REF # XXXX WAS GIVEN TO XX/XX/XXXX @ XXXX BY A XXXX STATED IF THEY REFUSED TO RELEASE THE TITLE TO XXXX XXXX XXXX TO PURCHASED BACK THE LEASE CONTRACT TO CORRECT THE DUE DATE AS PROMISED FROM XX/XX/XXXX THEY WILL COME AND GET THE CAR WHICH WOULD BE A VOLUNTARY IF THEY NOT ALLOWING THEM TO REPURCHASED THE VEHICLE AT {$42000.00} INCLUDING {$8000.00} IN REBATES TO HO INTO ANOTHER VEHICLE.THEY AGREED THEN ASKED FOR MORE TIME TO GET THE ACCOUNT LEDGER CORRECTED WITH THE CORREVT DUE DATE OF XXXX OF EACH MONTH AND RETROACTIVE ALL DUE DATE STARTING XXXX.XXXX XXXX TOOK OVER THE HANDLING OF THE ACCOUNT PROVIDED HER DIRECT CONTACT # XXXX ASKED THAT WE BUY HER SOME TIME TO CORRECT THE CORRECT PAY OFF WITHOUT ANY LATE FEES, INACCURATE INTEREST CHARGES, WILL ALSO PUT THE 2MTHS IN THE BACK OF LOAN TO BROUGHT THE ACCOUNT STATUS CURRENT WITH THE REPORTING AGENCIES IMMEDIATELY.XX/XX/XXXXSHE ASKED TO GIVE HER MORE TIME AND THAT WE DON'T OF TO DO A CONTRACT BUY OUT OR VOLUNTARY GIVE BACK THE VEHICLE SINCE XXXX REFUSED TO CORRECT THE LEASE DUE DATE FROM XXXX TO THE XXXX OF EACH MONTH.XXXX XXXX NOTED AND STATED SHE SEE HOW MANY TIMES IT WAS REQUESTED ON THE ACCOUNT AND WAS NOT COMPLETED PRIOR TO THE NEXT MONTH TO AVOID ANY LATE FEES AND LEDGER CORRECTION.XXXX NEVER CALLED BACK AS PROMISED ON XX/XX/XXXX THAT MONDAY AS SHE REQUESTED WE MUST GIVE HER TIME TO CORRECT THE ACCOUNT STATUS.SHE DID IN FACT BROUGHT THE ACCOUNT STATUS CORRECTED WITH BUREAUS BUT THE LEDGER BALANCE AT THAT TIME WAS STILL INCORRECT.THEN SHE CLAIMED SHE LEFT NOTES FOR HER HIGHER SUPERIOR TO PUT THE 2MTHS FOR XXXX XXXX AT BACK OF THE LEASE CONTRACT TO BUY THEM TIME TO RETROACTIVE THE DUE DATE BACK TO XXXX AND CHANGED IT REFLECTING NEXT PAYMENT DUE XXXX.INSTEAD THEM WENT BEHIND EVERYTHING WAS TOLD TO US ON XXXX & XXXX & XX/XX/XXXX XXXX XXXX STATED ON THE LEASE ACCOUNT WITH XXXX ABOUT THE ENTIRE ACCOUNT HAVE BERN MISHANDLED AND BALANCE NOT CORRECTED WITH DUE DATE, INTEREST COST OF TO BE ADJUSTED BASE ON CORRECT DUE DATE REFLECTING XXXX NOT XXXX.NOBLATE FEES, NO UNAUTHORIZED REPOSSESS FEES EITHER MUST BE CHARGED.MINUS THE {$36000.00} THE CAR WAS ACTION FOR.YET, THE DISPUTED FRAUDULENT UNAUTHORIZED CHARGES CHARGED AFTER THE VEHICLE WAS PICKED UP INVOLUNTARY BEHIND THE CORPORATE PERSON NOTES AND INSTRUCTIONS LEFTED.XXXX XXXX SERVICES IS AND MUST BE HELD LIABLE FOR ANY EXCESS CHARGES OR FEES THEY COSTS UPON THEMSELF FOR GOING BEHIND THE CORPORATE MGR XXXX XXXX STATED NOTES TO CORRECT THE ACCOUNT.I AM NOT LIABLE AND WILL NOT BE LIABLE FOR XXXX XXXX NEGLECT ON TBIS ACVOUNT THAT BEEN IGNORED, MISHANDLED AND WAS KEEP REFUSING TO COMPLETE THE DUE DATE CHANGE ON THE ACCOUNT FROM XXXXAND ALL THE ONGOING DATES AND TIMES WE CALLED AND EMAILED AS WELL FROM THE FINANCE MGRS AT XXXX XXXX XXXX.STILL NO RESPONSE OF THE UPDATED XXXX BALANCE AND THE TRADE LINE NEED TO BE REMOVED ASAP OFF THIS ACCOUNT IMMEDIATELY.NOT LIABLE AND WAS NEVER PASTED DUE, NEVER LATE, NOT LIABLE FOR WRONG DUE DATE REPORTINGS TO THE 3 CREDIT COMPANIES EITHER.THEY NEED TO REMOVED THIS TRADE LINE IMMEDIATELY OFF MY CREDIT. PERIOD.ASAP.ITS BEEN OVER 3MTHS ONGOING I FILED A DISPUTE WITH 3 CREDIT COMPANIESNAND XXXX REQUESTING THAT THIS INACCURACIES OF LATE MARKERS AND FRAUDULENT UNAUTHORIZED REPOSSESS REPORTING BE REMOVED.REF # XXXX WAS GIVEN AND THEY SAY THEY WAS NOT GOING TO COME FOR THE VEHICLE AT XXXX XXXX INSTEAD THEY WILL FIX THE ACCOUNT DUE DATE AND CREDIT REPORTINGS.THEN THEY WENT BEHIND CORPORATE NOTES BY XXXX XXXX DIRECT PHONE # XXXX WHICH WE CALLED SEVERALLY FOR UPDATES AND SHE NEVER RETURNED THE CALLS AFTER XXXX.YET, SHE CLAIMING THAT THEY SHOULD NOT HAVE PICK UP THE VEHICLE AND PUT NO INVOLUNTARY REPOSSESS ON MY CREDIT.TIRED OF THIS FOOLISHNESS AND UNETHICAL BEHAVIOR WITH NO PROPER INVESTIGATIONS TO GET THE BALABCE TO XXXX BALANCE SINCE THE VEHICLE WAS SOLD FOR MORE THAN WHAT WAS OWED. MINUS ALL DEPOSITS AT SIGNING FOR LEASE WITH OVER 8PAYMENTS THEY RECEIVED.SUBTRACT OVER {$36000.00} CAR SOLD FOR MINUS FROM THE ORIGINAL WRONG AMOUNT REPORTED ON CREDIT XXXXOF {$38000.00} INSTEAD OF THE RESIDUAL AMOUNT OF $ XX/XX/XXXXSINCE ITS A LEASE NOT A FINANCE VEHICLE.BY LAW ITS STATES WHEN ITS A LEASE THEY CAN NOT REPORT THE FULL CONTRACT AMOUNT OF THE VEHICLE AND ITS NOT FINANCE.IT WAS A LEASE NOT A FINANCE.PLUS THE VEHICLE WAS NEVER REPOSSESS THEY INVOLUNTARILY SOLD IT BEHIND THE DEALER AND XXXX CORPORATE MGR XXXX XXXX @ XXXX BACK AND IT WAS NEVER A ANY FAULT OF THE CONSUMER DUE TO THEIR INCOMPETENCIES MISHANDLED THE ACVOUNT FROM INCEPTION AND IGNORING ALL DUE DATE REQUESTES AS PER XXXX XXXX.I AM NOT LIABLE AND SHOULD NOT BE.THEY MESS UP AND MUST TAKE ACCOUNTABILITY FOR THEIR AGENTS INCOMPETENCIES NOT BLAMING THE CONSUMER FOR THEIR INCOMPETENCIES.REMOVED THE COMPLETE TRADELINED OFF ALL CREDIT PLATFORMS AND XXXX BALANCE THE ACCOUNT SINCE THIS CONTRACT SHOULD BE NULL AND VOID SINCE THEY VIOLATED THE ENTIRE CONTRACTS LEASE TERMS AND CONDITIONS THAT WAS LISTED.IMMEDIATE EFFECT OF TRADELINE REMOVAL REQUESTED OFF MY CREDIT HISTORY.DO N'T OWE OR LIABLE FOR NO BALANCE TO XXXX XXXX XXXX NOR THERE AFFILIATES PERIOD! XXXX BALANCE OWED.NOT LIABLE FOR THIS FRAUDULENT UNAUTHORIZED ACCOUNT LEDGER HISTORY FROM INCEPTION UNTIL SOLD FOR OVER {$36000.00} PLUS ALL PAYMENTS AND DEPOSITS THEY RECEIVED.THEY OWE ME. I DON'T OWE NO ONE NOTHING AND THIS VEHICLE.