Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX : Dispute Resolution Department XXXX XXXX XXXX, # XXXX XXXX, TX XXXX Subject : Dispute of Unlawful Negative Credit Reporting and Account Handling Dear XXXX XXXX, I am writing to formally dispute the inaccurate and damaging information related to my account with XXXX XXXX. Despite prior assurances and ongoing communication, the account associated with my XXXX XXXX XXXX XXXX has been misrepresented on my credit reports, causing significant distress and harm to my creditworthiness. 

Account Details : XXXX XXXX XXXX Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX In XXXX, I had XXXX payments due on this account. I paid {$1600.00} upfront, and the funds were debited from my bank account. However, the payment was reversed back to my bank without explanation. I contacted XXXX XXXX and spoke with a representative who assured me that the reversal was due to a malfunction on their end, and I would not be responsible for any additional payment at that time. I was further told I would receive a call for more information, but I never received any follow-up. 

Despite these assurances, my account was later labeled a charge-off, and XXXX XXXX XXXX XXXX payment of {$3000.00} an amount far exceeding what I owed. XXXX XXXX also made me sign XXXX different contractual forms, which my attorney reviewed and found issues with. Additionally, XXXX XXXX falsely alleged I used a credit card when my bank verified the payment was made via debit card, and the transaction was approved and processed correctly. 

Furthermore, XXXX XXXX sold my account to a debt collector without any prior contact or resolution attempts on their part that I will not b held liable for. The last credit report in XXXX incorrectly added late payments, and since the new year, these negative marks have only worsened. I have no idea who the debt collector is and my lawyer and I will be fighting for possession of the vehicle title. 

I had shown and provided proof of my payments and communication to support my dispute. After further investigation, I checked the XXXX report for the vehicle and discovered it had sustained hail damage that was not reported by the dealer at the time of purchase. I was given a fake XXXX report claiming the vehicle was in 100 % condition, which was false. This misrepresentation has further impacted my trust and the integrity of the transaction. 

Due to the false reporting, the misrepresentation of the vehicle 's condition, and the undue stress caused, I formally request that XXXX XXXX : Immediately cease reporting this account as delinquent or charged-off on all credit bureaus ( XXXX XXXX Equifax ) XXXX 
Remove all negative and inaccurate information related to this account from my credit reports within 10 days. 
Correct the record to reflect the true condition of the vehicle and the payment history. 
Provide written confirmation that the account has been corrected and that no further negative reporting will occur. 

Please be advised that if this matter is not resolved within the specified timeframe, I will have no choice but to pursue legal action, including contacting my attorney and filing complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

This situation has caused me significant mental and emotional distress, including anxiety and XXXX. I trust that XXXX XXXX will handle this matter promptly and professionally. 

Thank you for your immediate attention to this serious issue. 

Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation