Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
Took an auto loan with XXXX XXXX XXXX  that matured in XX/XX/XXXX in good standing with negative balance in which i received a refund check for overpayment ( partial overpayment as there is a huge discrepancy that I have yet to receive an itemized financial statement for. ) XXXX is knowingly and fraudulently reporting XXXX closed auto loan accounts on my credit- one as a profit-loss write off/charge off with serious delinquency of XXXX days and growing balance, the other closed with delinquency XXXX days in which I have all receipts to prove every payment made and made on time as the account was on autopay. Creditor agreed to remove the charge off account due to inaccuracy and correct the 30 day delinquency on the other. However, instead of removing it completely, month after month comments were added and removed again and again which further decreased my credit score. Equifax and Transunion have denied every claim even after being given ample proof. To date they only adjusted the information to state " paid after charge off ''. The account is NOT A CHARGE OFF. It is a duplicate account and the information is inaccurate. As agreed upon, this needs to be removed and then other corrected to show XXXX delinquencies. This has caused a steep drop in my credit by XXXX points. 

This is only XXXX of XXXX instances that I've disputed for accuracy and have been denied even after providing ample proof. One with discover involving my credit limit and provided proof of limit being XXXX not XXXX which dropped my score XXXX points due to a utilization ratio of XXXX  %, XXXX with XXXX XXXX  showing XXXX  days past due and I've provided proof of payments and balance statements along with loan services agreement and documentation of transfer of loan to new loan servicer, and the last and oldest being XXXX  XXXX which is also listed as a charge off on equifax and transunion XXXX XXXX  is the only agency showing the correct information for this account as closed. 

These agencies have flawed investigative procedures. With all the proof I've provided thus far I wonder if they look at any of it or just take the word of the company. Or simply just deny it time and time again without any investigation at all stating the creditor has reported the information as accurate, being that I've received the same report dated XX/XX/XXXX with every single claim I've submitted to date. 

These are egregious acts and unlawful practices under the law. Violation of the fair credit reporting act, Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounting Fraud by false and deceptive profit-loss reporting, Fair debt collection violation by failure to comply with notice of error, Violation of consumer rights and breach of payment agreement, Violation under Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) by failure to provide transparency, failure to conduct a thorough investigation, failure to comply with error resolution procedures post root cause analysis and identification, failure to comply with communication requirements, and failure to provide requested documents.

Company response to consumer: Closed with non-monetary relief