Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I purchased this vehicle XX/XX/XXXX of XXXX. I had initially sent XXXX to XXXX XXXX to find the vehicle for me because a friend of mine ( XXXX XXXX XXXX said he helps people find cars. She sent me his number and I got in immediate contact with him. My friend at the time had no idea of XXXX  prior history with theft and fraudulent behavior.. He found this XXXX XXXX for me and told me the vehicle was ready as long as I had the down payment. He instructed me to not worry about paycheck stubs or any proof of income. When I got to the dealership I sent XXXX $ to XXXX ( last name unknown ) an older XXXX XXXX who made me feel comfortable with the purchase. I drove off with the car and no problems were had. I had a vehicle warranty for a couple of months I believe and I had insurance on this vehicle with XXXX as a good student. I had the vehicle and paid my car note every month. On XX/XX/XXXX, I went out to a bar with several other friends for new years, I was about to head home and had realized police were everywhere surrounding my vehicle. My vehicle was damaged in a deadly shooting resulting in the death of another and the grieving of his family. I was told the bar has insurance for these kinds of shootings. The lounge/bar is XXXX XXXX on XXXX  XXXX XXXX XXXX My insurance policy had ended that exact night. I was asked to commit insurance fraud by XXXX XXXX so my vehicle could be written as a loss and I would get a new vehicle. I almost did it but something told me not to. I drove my vehicle home and had it there for a couple of days. At the time I was staying at XXXX XXXX XXXX XXXX texas at an off campus home. XXXX XXXX informed me of a man who could fix my vehicle for XXXX XXXX I had recently around that time received money from school so I was able to try to repair my vehicle. I agreed and XXXX had someone come to my home to pick up my vehicle around the first week of new years XXXX. The man who offered to fix my vehicle was trying to overcharge me for the price of the vehicle to get fix more than the price that was given to me. At this point I realized XXXX XXXX and the man who sold me the car and the man who offered to fix my car were all working together to get money out of me. My car was never given back to me at all. The car was stolen from me. I decided to leave the situation alone. XX/XX/XXXX. I tried to apply for a debit card and I was told that I could not get approved because of my credit. I looked on my XXXX  account and saw a charge off from XXXX XXXX  XXXX  being ran on my account until XX/XX/XXXX from XXXX. I called XXXX sight capital and a young man said that my vehicle was repossessed and rebuilt and re sold. This I had no knowledge of and my vehicle was never repossessed. 
Civil Court Case Number XXXX FTC Report Numbers Report Numbers : XXXX XXXX XXXX I kindly request that your agency investigate this matter promptly and remove this incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please notify me of the results of your investigation in writing. 

This has now been settled in a Justice of Peace Court and will be investigated. 

writing to formally dispute the inaccurate information reported on my credit report regarding the account with XXXX XXXX, referenced as XXXX The account is listed as a repossession and charge-off, but this information is incorrect due to the fraudulent circumstances surrounding the transaction and the subsequent theft of the vehicle. 

Details of Dispute : Account Holder : XXXX XXXX Account Number : XXXX Issue : The XXXX XXXX XXXX XXXX  financed under this account was sold to me under fraudulent circumstances by individuals who later stole the vehicle. These events make the loan terms and subsequent repossession invalid. 
Resolution Requested : I request that this account be investigated and corrected on my credit report to reflect the fraudulent activity and remove any derogatory marks, including the charge-off and repossession.

Company response to consumer: Closed with explanation