Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Subject/Issue Type : Inaccurate information on my consumer report Late payments and repossession-related entries reported incorrectly on a paid-in-full and closed auto loan ; Equifax failed to conduct a reasonable investigation of my disputes ( FCRA violation ). I am filing this complaint against Equifax Information Services LLC regarding an inaccurate collection tradeline and negative payment history furnished by XXXX XXXX XXXX that continues to appear on my Equifax credit report for my closed auto loan ( account XXXX ). Key Account Details : Account/Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor/Lender : XXXX XXXX XXXX Auto Loan Reported as : Auto loan with multiple inaccurate late payments ( XXXX and XXXX delinquencies ), even though payments were made on time ; repossession-related entries stemming from XXXX incident. Status : Paid in full and closed as of XX/XX/XXXX ( original balance {$36000.00}, opened XX/XX/XXXX, XXXX term ). Facts of the Case : My auto loan with XXXX XXXX XXXX is paid in full and closed as of XX/XX/XXXX. Despite this, my Equifax report shows inaccurate negative information, including multiple red XXXX and XXXX late-payment entries ( e.g., XXXX XXXX, several in XXXX, and XXXX XXXX ). In XXXX, XXXX repossessed my vehicle due to a reported lapse of insurance. However, the insurance was paid on Friday, and the repossession occurred Friday night or early Saturday morning because XXXX internal system failed to update appropriately to reflect the timely insurance payment. As a result of this wrongful repossession, I was forced to pay the repossession fee plus over {$5000.00} for recovery of the vehicle. DATCUs core systems, database, and system timing records failed to properly update the insurance payment and payment status. This does not adhere to the following regulations : FCRA 623 ( a ) ( 1 ) & ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ) Failure to maintain reasonable procedures to assure maximum possible accuracy and furnishing of inaccurate information. FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Failure to properly investigate and correct after disputes. XXXX Records Preservation Program ( 12 CFR Part 749 ) Records must accurately reflect information and be reconstructible ; system failures preventing timely updates violate this. XXXX Credit Union Record Retention and Preservation ( 7 Tex. Admin. Code 91.405 ) Records must be kept in sufficient detail for examination, audit, and verification ; significant loan/collateral records must be retained XXXX years with accuracy. CFPB UDAAP Authority ( 12 U.S.C. 5531 ) Unfair acts or practices in auto servicing, including wrongful repossessions and inaccurate reporting caused by system breakdowns ( as detailed in CFPB Supervisory Highlights, Fall XXXX and XXXX ). I filed multiple disputes with the bureaus, providing details of the full payoff, the XXXX insurance payment timing, the wrongful repossession and recovery costs, and information about DATCUs system failures. Equifax must properly investigate this dispute as required by the Fair Credit Reporting Act ( FCRA ) 1681i ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation, forwarding of all relevant consumer information to the furnisher, and deletion or correction of inaccurate, incomplete, or unverifiable information ( usually within XXXX days ). Equifax must also follow reasonable procedures to assure maximum possible accuracy of information as required by FCRA 1681e ( b ) ( 15 U.S.C. 1681e ( b ) ). This failure mirrors the CFPBs XX/XX/XXXX consent order against Equifax for improper investigations of consumer disputes, in which Equifax was ordered to pay a {$15.00} XXXX penalty for ignoring consumer-submitted evidence, allowing improper reinsertion of deleted inaccuracies, providing confusing investigation results, and using flawed processes that affected millions of consumers in violation of the FCRA. Harm Caused : These inaccuracies, combined with the wrongful repossession and associated costs ( repossession fee + over {$5000.00} recovery ), are damaging my credit score and limiting my ability to obtain new credit, loans, or favorable interest rates. The reported late payments and repossession-related entries continue to appear negatively even though the loan is paid in full and closed, and the issues stemmed from DATCUs own internal system failures. What I Want Resolved : Immediate deletion or full correction of the inaccurate late-payment entries and repossession-related information from my Equifax credit report. Confirmation in writing from Equifax that the items have been permanently removed or corrected and will not be reinserted. Any other corrective action required under the Fair Credit Reporting Act ( FCRA ) and related regulations. I have attached the screenshots from my XXXX report showing the Paid, Closed status alongside the red late-payment entries and pink warning banner ( the same inaccurate information appears or should be checked on Equifax ) . I am in the process of locating additional XXXX repo and insurance records and will provide them upon request. I request that the CFPB investigate this matter and require Equifax to correct my report. I am available for any additional information needed. Thank you. XXXX XXXX XXXX XXXX XX/XX/XXXX 2026

Company response to consumer: Closed with explanation