Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX submitted a Response to my Complaint and you have received it as well.

I've also printed it out to examine the findings carefully and to compare the details with my own notes.

There are multiple inaccuracies, not to mention the fact that they've now admitted to both the CFPB as well as to myself that they did in fact rec
eive multiple payments from the following sources : A. In Paragraph 5 CAC states that " First, a claim was filed with your insurance carrier and proceeds of {$4.00}, XXXX were applied to your account balance. '' B. Paragraph 5 continues onto Page 2 to state : " Second, because your vehicle was purchased in New York, you automatically qualified for New York Gap coverage. Our Insurance team processed a NY GAP claim on your behalf and a rebate of {$2.00}, XXXX was applied to your account ''. 

C. Once again, in Paragraph 5 they've stated that " Third, the XXXX was cancelled upon notification of your vehicle 's total loss, and a rebate of {$860.00} was applied to your account balance. '' XXXX XX/XX/XXXX at XXXX pm I screencaptured my XXXX Credit Report under the category of Credit Acceptance which showed XXXX in the Payment Calendar and clearly showed XXXX and May with a Green Check-Mark indicating that Payment was received. Every Mark thereafter is illustrated as being 'Late ' which is likely possible since less than 2 months after I began financing the XXXX - I had to turn to have it towed for repairs after a wheel almost complely came off. Despite having VSC - the Dealer advised me NOT to use it, and to instead process the repairs through my own auto insurance which resulted in a $ XXXX deductible. While the latter matter may or may not have been on the fault of CAC specifically- they're still making fraudulent claims that I never paid anything beyond XXXX. Perhaps this is due to the fact that the Account # they've listed differs from the account Number I have on my file. They have alleged that 'My ' account # is XXXX- whereas my own records show XXXX. Which could have perhaps been construed as a simple Typo or system glitch had they previously provided me my Account Information as I asked Regardless - their own Testimonies have admitted to having received the following amounts : {$4.00}, XXXX + {$2400.00} + {$860.00} ( although it should be noted that they likely received the full $ {$1600.00} from VSC since it was never used ).

These self declared totals equals {$7900.00}. 

Since the only Payments I sent which qualify as Received, and according to CAC logic - Late means not received at all - than I did in fact make 2 payments of {$270.00} ( although I'm

certain that I made more which are not being counted )- this equals {$550.00}. The Total Loan Amount of {$8900.00}. I also believe that based on the fact that they stated that *I* received a 'Rebate ' of {$860.00} upon cancellation of the VSC - that they most assuredly received an additional {$780.00} from VSC which means that from a {$8900.00} loan in split terms of 24 months ( not 51 as indicated in Paragraph 3 ) - Credit Acceptance has received {$9300.00}.

What did I receive?

*6 months of Cardio walking the mile and a half to and from work until I was able to save for a bicycle.

*Another 6-9 months on a bicycle until I could save enough for a cheap starter car. 
*Being turned down for countless apartments because my credit was constantly being pockmarked as delinquent despite never owing XXXX XXXX a dime. 
*Countless frustrations Everytime I attempted to 'Dispute ' these Fraudulent Charges only for them to be Rejected, and no Information provided to me.

*An informal crash course on Consumer Rights, a
nd finally - *An error riddled statement from CAC who's finally summary is to 'Soft Close ' the account after 6 3/4 years of dessimating my Credit for absolutely nothing.

Company response to consumer: Closed with non-monetary relief