Consumer complaint received 2025-12-08 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: TN

Complaint narrative:
On XX/XX/XXXX, I entered into an auto loan with XXXX XXXX XXXX. The vehicle was later repossessed, and the account was reported as closed. 
Despite the repossession, XXXX XXXX XXXX continues to furnish inaccurate and misleading credit information by reporting the account as Repossession while simultaneously reporting the entire balance of {$13000.00} as past due. 
Once a vehicle has been repossessed, an account can not lawfully continue to report a past-due status or delinquent monthly payments without proper post-repossession accounting. To date, XXXX XXXX XXXX has failed to provide : Date of repossession Vehicle sale or auction date Auction venue and proceeds Deficiency balance calculation Itemized post-sale accounting Additionally, XXXX XXXX XXXX continues to update the balance after repossession, including updates in XX/XX/XXXX, indicating potential re-aging of the debt and ongoing furnishing of inaccurate information. 
I disputed this account multiple times through XXXX including disputes dated XX/XX/XXXX and XX/XX/XXXX. Despite these disputes, XXXX XXXX XXXX has continued to verify and furnish the same unsubstantiated and inaccurate information. 
LAWS BEING VIOLATED BY XXXX XXXX XXXX XXXX Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information A furnisher may not report information it knows or has reasonable cause to believe is inaccurate.

Reporting a full balance as past due after repossession without auction or deficiency data is inaccurate.

2. Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute After receiving notice of a dispute from a credit reporting agency , a furnisher must conduct a reasonable investigation and correct or delete inaccurate information.

GLS continued to verify disputed data without providing required documentation.

3. Fair Credit Reporting Act 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Reporting simultaneous repossession and past due status violates accuracy standards.

4. Fair Credit Reporting Act 15 U.S.C. 1681c ( a ) ( 4 ) Improper re-aging of delinquent accounts Updating balances and past due status after repossession resets the delinquency timeline, which is prohibited.

5. CFPB / Metro-2 Credit Reporting Guidelines Improper post-repossession reporting A repossessed vehicle account must reflect : XXXX monthly payment No past due amount Accurate deficiency balance only after sale Reporting a balance as fully past due post-repossession is non-compliant GLSs tradeline violates Metro-2 reporting standards relied upon by XXXX

HARM CAUSED Artificially inflated delinquency Continued derogatory reporting Extended duration of credit damage Denials and adverse credit decisions FORMAL DEMAND I am requesting that Global Lending Services : Immediately delete this tradeline due to inaccurate and unverified credit reporting, or Provide full, legally required post-repossession documentation validating the reported balance and deficiency.

Failure to correct or delete this tradeline will constitute willful noncompliance with the Fair Credit Reporting Act and will be pursued accordingly.

Company response to consumer: Closed with non-monetary relief