Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This was the copy of the letter sent to XXXX in XXXX, Experian, Transunion and Equifax XXXX XXXX XXXX, Attn : XXXX XXXX XXXX I dispute the accuracy and completeness of the tradeline you furnish to XXXX for XXXX above account and any claimed deficiency after repossession and sale in Maryland. 

XXXX you are currently reporting/ claiming ( examples ) : Status : Charge-off with multiple months of CO codes extending years after the charge-off date. 

Amounts reported/claimed : {$18000.00} written off ; {$15000.00} ( claimed debt in your correspondence ) and/or {$15000.00} past due ( as shown on Experian as of XX/XX/XXXX ) ; plus an additional {$3100.00} demand referenced in your communications. 

Remark : Redeemed repossession. 

These data points appear inconsistent and potentially re-aged. Accordingly, please investigate and either correct or delete the tradeline. In doing so, provide the documents below that Maryland law and XXXX require when a creditor repossesses and disposes of a vehicle : XXXX. Documents & proofs required ( please provide each ) Post-repo notice within XXXX  days of repossession ( Maryland law ) with proof of certified/registered mailing ; the notice must state the location of the vehicle, redemption/cure amount, liability for deficiency, and where to pay. 

Proof you retained the vehicle for at least XXXX  days after sending that notice before any disposition. 

Pre-sale notice at least XXXX  days before sale ( XXXX consumer notice ), with proof of certified mailing and all required contents ( including a clear statement of possible deficiency liability ). 

Commercially reasonable sale details & full accounting ( private sale ) : Unpaid balance as of repo ; credits for unearned finance charges, GAP/insurance refunds, etc. 

Itemized expenses ( repossession, storage, sale ). 

Sale date ( XX/XX/XXXX ), sale proceeds {$3500.00}, number of bids sought/received, buyers name/address, vehicle condition/mileage at sale, and location. 

Application of proceeds and calculation of any alleged deficiency ( XXXX application of proceeds ). 

Explanation of deficiency ( consumer explanation ) showing exactly how you computed {$18000.00} written-off and the claimed balances versus the {$14000.00} original balance reported to Experian, Transunion, Equifax. 

Charge-off date, XXXX, and fall-off date used for credit reporting ; confirm you have not re-aged the account and explain why a past due amount is being reported on a closed, charged-off account. 

Documents supporting the remark redeemed repossession, or remove/correct that remark if inaccurate. 

Note : If this contract was governed by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) statute, the above items correspond to XXXX repo/notice/sale requirements ; if governed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), provide the equivalent XXXX-mandated notices and accounting. In either case, non-compliance bars or limits any deficiency and renders the current credit reporting inaccurate.

Company response to consumer: Closed with explanation