Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
I went to XXXX XXXX to lease my first vehicle in XX/XX/XXXX. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. To add insult, I told them I dont want the car because no one was willing to help me fix the situation until after I made a formal complaint with CFPB. So in turn and I drove the car to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call XXXX XXXX XXXX on XX/XX/XXXX, to have a tow pick it up which now they are trying to charge me XXXX dollars for, the point of a voluntary surrender is to avoid having to p [ ay unnecessary fees because its my right as a consumer to give the vehicle back. In addition, I had a remaining loan balance of XXXX, i was up to date on my payment and never missed one therefore i never defaulted. XXXX broke the law which is breach in contract and therefore I can freely return the vehicle. XXXX falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. Yesterday, I received my first letter in the mail stating I defaulted on my lease and did not pay a monthly payment. This is in fact a lie, I surrendered the vehicle after making my monthly payment regularly on XX/XX/XXXX. XXXX refused to send someone until XX/XX/XXXX. Till this day i received no correspondents regarding when my vehicle would be sold. XXXX has a legal obligation to notify me before a vehicle is sold so that i may be  afforded the opportunity to regain possession of the vehicle and on a phone call PRIOR TO XX/XX/XXXX ON A RECORDED LINE A REP FROM XXXX STATED THE VEHICLE WAS NOT SUPPOSE TO BE ON MY CREDIT AND THAT IT HASNT EVEN BEEN SOLD YET. IN ADDITION, The contract states Im responsible for the remaining monthly payments plus a termination fee. I read this contract and took a picture no where does it say I have to pay anything more than that. This is in print stating my responsibility when i voluntarily returned the vehicle i am only liable for remaining monthly payments. THIS COMPANY IS BREAKING THE LAWS SET IN PLACE TO STOP THESE ISSUES. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account and that the company has nothing to do with false practices by the dealer. 
Today, It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected. This is a consumer finance protection complaint, I expect my finances to be protected as well as my person and credit. LASTLY, its being reported as a delinquent account I NEVER MISSED A PAYMENT. I LEFT VOLUNTARILY IN GOOD STANDING DUE TO MALICIOUS PRACTICE BY XXXX. I have attached their contract in regards to voluntarily returning the vehicle. It clearly states in print I will owe remaining monthly payments only. Not what they are alleging, they are lying stating i didnt pay a month in the amount of XXXX and thats why its in default that in fact is not true. Please stop the scams. 
In addition, i have an invoice stating I owe nothing in regards to XXXX sending someone to get the car` because it is a voluntary surrender. so they shouldn't be trying to bill me for something they are not allowed too. I tried to return the vehicle to XXXX  of white plains and they told me if i have to bring it to the dealer i received it from and i did such and they refused to let me leave it there. 
lastly, when i gave the vehicle back I had a remaining balance of {$19000.00}. The vehicles value or sale was {$21000.00}. When i voluntarily gave the car back as per the lease contract I have to pay a turn in fee and or storage. In the invoice, they amount to {$420.00}. THEREFORE, there is a surplus of {$1200.00} that is OWED TO ME. 
In the attachments you will find, a screenshot from XXXX XXXX  showing my last payment was XX/XX/XXXX. The car was invoiced for a voluntary repo on XX/XX/XXXX. I never missed a payment up until i gave the car in. On XX/XX/XXXX XXXX XXXX finally reached out to me to reduce the monthly payments of the XXXX   but obviously was too late. 
XXXX is violating numerous new york auto laws and overall fraud. 
I attached the sub section on my contract that applies to the matter UNDER VOLUNTARY TERMINATION OF LEASE EARLY paragraph 31.

Company response to consumer: Closed with explanation