Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I am writing to formally request the placement of a Commercial Fraud Alert on my credit report & Removal concerning XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. This request stems from fraudulent activity, contract irregularities, and continued violations of federal consumer protection laws associated with my account. Below, I outline the key issues and provide supporting evidence for your investigation.

Details of the Issue 1. Payments Never Late : All payments on this account were made on time, and I never defaulted on my obligations.

2. Failure to Validate Debt : On XX/XX/year>, I submitted a formal request under the Fair Debt Collection Practices Act ( FDCPA ) for a Debt Validation and issued a Cease and Desist letter. During a conversation with an XXXX agent named XXXX, I was informed that payments would be ceased until the debt could be validated. Despite this, XXXX later sent a letter reflecting a debt amount of {$0.00} and claimed they are not debt XXXX. Nevertheless, they continue to send billing statements, raising serious concerns about the legitimacy of the debt and the identity of the actual creditor. 
XXXX. Violation of Cease and Desist Request : XXXX knowingly disregarded my Cease and Desist request by continuing to send bills and correspondence despite acknowledging that the debt amount was {$0.00}. 
XXXX. Erroneous Contracts and Misleading Representations : The contracts associated with this transaction contain significant errors, including references to a third-party entity that was not part of the original contract. In their response to my CFPB complaint on XX/XX/year>, XXXX stated : XXXX dealerships are independently owned and operated, and XXXX has an arms-length relationship with them. The customer should contact XXXX to express their complaint about the dealership. XXXX will stop sending the customer written or oral communications, other than those that are legally required. The credit application, the contract, and payment history were sent to the customer. 
This admission further underscores the irregularities and lack of clarity regarding the true parties to this agreement.

5. Continued Billing and Credit Reporting : Despite AHFCs response and acknowledgment of their arms-length relationship with the dealership, they continue to send billing statements and mark my credit report for late payments, which is in violation of federal consumer protection laws.

6. Refund Due for Payments Made : Given XXXX  failure to validate the debt and their own letter reflecting a {$0.00} balance, I am entitled to a refund for all payments made on this disputed debt. 

Supporting Documentation XXXX  response to my CFPB complaint, dated XX/XX/year>, acknowledging their arms-length relationship with the dealership and including the credit application, contract, and payment history. 
A copy of AHFCs letter reflecting a {$0.00} debt amount. 
Proof of payments made to AHFC despite their failure to validate the debt. 
Evidence of XXXX continuing to send billing statements and marking my credit report for late payments despite the lack of validation.

Company response to consumer: Closed with non-monetary relief