Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
This complaint concerns XXXX XXXX XXXX XXXX unlawful repossession practices and the credit reporting agencies continued reporting of the repossession despite its legal deficiencies. XXXX XXXX failed to comply with mandatory federal and state repossession procedures, and the credit bureaus violated their obligations under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverifiable information.

2. Violations by XXXX XXXX XXXX XXXX XXXX XXXX committed multiple violations under UCC Article 9, North Carolina repossession law, and established consumer protection standards.

A. Failure to Provide PostRepossession Notice XXXX XXXX did not provide the required written notice after repossessing my vehicle. This notice must include : Confirmation of repossession Redemption and reinstatement amounts Timeline for redemption Intent to sell the vehicle Failure to provide this notice violates UCC Article 9 and North Carolina law.

B. Failure to Provide Notice of Sale / Disposition XXXX  XXXX did not provide the mandatory notice of disposition, which must state : Whether the sale is public or private Date, time, and location ( if public ) Method of sale Consumer rights This mirrors allegations in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where XXXX XXXX was accused of failing to provide proper notice of disposition in repossession cases.

C. Failure to Conduct a Commercially Reasonable Sale XXXX XXXX has provided no evidence that the sale of the vehicle was conducted in a commercially reasonable manner, as required by UCC Article 9.

This is consistent with XXXX XXXX XXXX XXXX XXXX  ( XXXX ), where the Texas Court of Appeals held that XXXX  XXXX failed to prove a commercially reasonable sale and reversed the deficiency judgment.

D. Attempting to Collect or Report a Deficiency Balance Based on an Unlawful Sale Because XXXX  XXXX failed to follow required procedures, any deficiency balance is legally invalid.

3. Violations by the Credit Reporting Agencies ( Equifax, Experian, TransUnion ) The credit bureaus violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) by continuing to report the repossession despite its legal deficiencies and despite my disputes.

A. FCRA 607 ( b ) Failure to Maintain Maximum Possible Accuracy The bureaus are required to ensure all information they report is accurate and not misleading.

Reporting a repossession that was conducted unlawfully is inaccurate and misleading.

B. FCRA 611 Failure to Conduct a Reasonable Reinvestigation After I disputed the account, the bureaus were required to : Investigate Require XXXX  XXXX to verify the information Delete the account if XXXX  XXXX could not provide proof Because XXXX XXXX can not produce the required notices or proof of a commercially reasonable sale, the bureaus were obligated to delete the account.

C. FCRA 1681e ( a ) Failure to Follow Reasonable Procedures to Assure Accuracy The bureaus must have systems in place to prevent inaccurate reporting.

Continuing to report a repossession that is legally defective violates this requirement.

D. FCRA 1681i ( a ) ( 5 ) Duty to Delete Unverifiable Information If XXXX XXXX can not verify : Postrepossession notice Notice of sale Commercially reasonable sale documentation the bureaus must delete the repossession.

Their failure to do so is a violation.

E. FCRA 1681c Reporting Legally Defective Information Information resulting from an unlawful repossession is legally invalid.

Reporting it violates the FCRAs accuracy requirements.

4. Harm Suffered As a result of these violations, I have suffered : Damage to my credit Denial or adverse terms of credit Financial harm Emotional distress Loss of statutory rights Time and resources spent correcting errors

Company response to consumer: Closed with explanation