Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello. Ive already previously submitted complaints regarding the fact that XXXX  and Equifax keep denying me of adding a paid off car loan to my XXXX  credit report as well as my Equifax credit report. All that has been said to me by XXXX  and Equifax regarding my attempts of getting this paid off auto loan to my credit files is the song and dance about Well if the lender doesnt report it to us then it doesnt get added to the credit file, YOU must contact the lender and ask them to report this loan to us, lenders may report to only one credit bureau so with this its YOUR duty to look out for any discrepancies. Prior to me receiving this auto loan back on XX/XX/XXXX, the car dealer stated that I was approved for financing however I must speak with the bank/lender over the phone. The dealer called the bank, which is called XXXX XXXX XXXX XXXX, and I spoke with them. During this phone call I was informed by XXXX XXXX XXXX We will report this auto loan and your monthly payments to the credit BUREAUS. They stated bureaus. NOT bureau. This auto loan began XX/XX/XXXX. This was a 30 months auto loan. The loan was fully paid off as of XX/XX/XXXX. After fully paying off this auto loan I discovered that the lender, XXXX XXXX XXXX XXXX, they did NOT report this auto loan nor any payments to any of the credit bureaus. I reached out to XXXX XXXX XXXX over the phone regarding this situation and within one months time the auto loan was finally showing on ONE credit report which was XXXX. This loan has been paid off for almost 3 years yet it still does NOT show on my XXXX  credit report nor with Equifax. I have attempted NUMEROUS times to have this corrected because this paid off auto loan would seriously help boost my credit so its infuriating the way XXXX and EQ continue to deny me of adding this paid off loan to my credit file. I have shown ALL my documents proving that I did indeed have this loan, that I did indeed pay off this auto loan in full and XXXX and EQ still continue to deny me of adding this to my credit file and its at the point now where I am fuming angry over this situation because it is NOT fair for these credit bureaus to adamantly keep denying me of adding a paid off auto loan to my file when they KNOW this would boost my credit. This is absolutely terrible how I continue to be denied of MY RIGHTS to add this to my credit file. Ive again reached out to the bank, XXXX XXXX XXXX XXXX and asked them for help with this and the bank is NOT willing to help me with this stating We only report to ONE credit bureau, XXXX. I even stated that if this is regarding fees, that fees are required to report this paid off loan to XXXX and EQ, then Id happily pay those fees myself just so that I can finally receive the credit Im due for this paid off auto loan but I was again told We report to one bureau. You would think that after all this time this paid off loan wouldve made it to XXXX and EQ, were talking about a loan paid off almost 3 years ago, yet it has NOT. Ive done literally everything I could possibly do to get XXXX and EQ to reflect this fully paid off auto loan on my credit reports and nothing has worked thus far. This paid off auto loan would boost my FICO auto score rating, it would boost my payment history because it would add 30 months to my payment history. This paid off auto loan would seriously help my credit ALOT so its terribly infuriating how XXXX and EQ keep denying me of my RIGHT to add this to my credit file. Ive submitted previous complaints to CFPB regarding this situation and XXXX and EQ have still NOT added this loan to my credit file. I am seriously at my whits end at this point and I desperately need assistance getting this paid off auto loan added to ALL my credit files once and for all. I desperately need help with this .. I have gone as far as submitting a document as proof to XXXX  and EQ, proving that this fully paid off auto loan is reflected on my XXXX  credit report and XXXX  and EQ have still not added this to my credit file. Its terribly UNFAIR for these 2 credit bureaus to give a consumer such an incredibly difficult time over adding a paid off auto loan to their very own credit file. This is absurd. Im just wanting to finally get the credit Im due for paying this auto loan in full back in XX/XX/XXXX. I just cant understand why XXXX and EQ keep denying me of this right but all I do know is that its about time that I finally receive the credit that Im due. This is extremely infuriating to me, especially when for 30 months EVERY single car payment was made on time and NEVER late. Theres SOO many different ways in which this paid off auto loan would boost my credit so its maddening that XXXX and EQ keep denying me of adding it to my credit file. Again, the name of the lender/bank is XXXX XXXX XXXX XXXX XXXX they are based in New York and my account number with XXXX is XXXX. Someone PLEASE HELP ME

Company response to consumer: Closed with explanation