Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
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: PA

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Equifax regarding the inaccurate reporting and verification of a repossession account associated with my XXXX XXXX XXXX, Account Number XXXX. Over the past several months, I have sent multiple written dispute letters to the credit bureaus disputing this account and requesting a reasonable investigation pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i. Despite my repeated efforts, I have received no meaningful resolution, no adequate documentation, and no proper explanation as to how this account was verified. The credit bureaus continue to report this account as accurate even though the reporting contains numerous inconsistencies and inaccuracies across all three bureaus. Reporting Inconsistencies Last Verified Date * XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * Equifax : XX/XX/XXXX Date of Last Activity * XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * Equifax : XX/XX/XXXX Date Reported * XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * Equifax : XX/XX/XXXX Closed Date * XXXX : XX/XX/XXXX * XXXX : XX/XX/XXXX * Equifax : XX/XX/XXXX Payment Amount * XXXX : {$0.00} * XXXX : Not Reported * Equifax : Not Reported Payment History Reporting * XXXX : No payment history reported * XXXX : Payment history listed as unknown * Equifax : Reporting repossession These inconsistencies clearly demonstrate that the account information is incomplete, inaccurate, and unreliable. Despite this, the credit bureaus continue to claim the account has been verified. Failure to Conduct a Reasonable Investigation In my previous disputes, I specifically requested : * Proof of default * Proof of repossession notices * Validation of the debt * Documentation showing compliance with repossession laws * The method of verification used To date, none of the bureaus have provided sufficient documentation supporting the verification of this account. I also never received proper notices required under applicable repossession laws and the Uniform Commercial Code, including notices under UCC 9-611 and 9-614. Instead of conducting a meaningful investigation, the bureaus appear to have simply relied on automated responses from the furnisher without independently verifying the accuracy of the information being reported. Harm Caused The continued reporting of this inaccurate repossession has caused substantial damage to my credit profile, financial opportunities, and overall consumer standing. I have made multiple good-faith attempts to resolve this matter directly with the credit bureaus, yet my concerns continue to be ignored. Requested Resolution I respectfully request that the CFPB investigate this matter and require the credit bureaus to : 1. Conduct a proper and lawful reinvestigation 2. Provide all documentation used to verify this account 3. Correct or delete all inaccurate reporting 4. Cease reporting unverifiable information 5. Ensure compliance with the Fair Credit Reporting Act I have attached copies of prior dispute letters and supporting documents demonstrating my repeated attempts to resolve this matter. Thank you for your time and attention. I respectfully request prompt intervention regarding these ongoing violations.

Company response to consumer: Closed with non-monetary relief