Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
Hey so Ive made complaints yesterday on all XXXX of the main credit reporters. I am submitting this formal complaint regarding a vehicle loan reported by XXXX XXXX XXXX that is being inaccurately and inconsistently reported on my credit file. I believe this situation involves serious violations of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. 
In XXXX, my vehicle was towed. I promptly notified XXXX XXXX XXXX, the car dealership, and my insurance provider. I did everything within my power to inform them of the situation and ensure the vehicle could be retrieved. Despite that, the lender took no action to retrieve the vehicle or resolve the loan. Eventually, the matter was handled through insurance.I later discovered that the account had been marked closed, but I was never notified. I received no letters, no emails, and no calls from XXXX XXXX, the dealership, or any credit bureau. This is unacceptable considering that XXXX XXXX has my updated email address on file, yet never used it to communicate with me about the status of the account. As of now, the account appears on XXXX XXXX XXXX, but not on Equifax, with no explanation for the discrepancy. Ive received no communication from XXXX XXXX about why it was removed from XXXX report but remains on the others. In addition, Equifax is reporting my name incorrectly, which has led to inaccurate hard inquiries and collections being reported that I did not authorize. I believe this misidentification has contributed to serious errors across all three bureaus. I have disputed this issue with the credit bureaus and requested corrections, but the disputes were closed without resolution. Equifax, in particular, closed the dispute without correcting my name or fully investigating the account. Ive received no responses from XXXX XXXX to any of these efforts.I do not have documentation from XXXX because of how much time has passed. However, under FCRA 611, the burden of verifying disputed information falls on the furnisher not the consumer. I should not be penalized for lacking documents when the creditor failed to communicate, report accurately, or provide access to account information. I believe XXXX XXXX has violated several provisions of the FCRA, including failing to notify me of the account closure, reporting inaccurate information to credit bureaus, ignoring disputes and failing to investigate properly, and failing to prevent identity mismatching, resulting in errors tied to an incorrect name. I am requesting that the CFPB investigate how XXXX XXXX handled and reported this loan, order the removal of this account from XXXX XXXX XXXX, require deletion of all hard inquiries and collections connected to the incorrect name, enforce immediate correction of my personal identifying information across all bureaus, and obtain a written explanation from XXXX XXXX  about why I was never contacted despite having my current email on file. This situation has damaged my credit, caused stress, and created long-term financial consequences. I have made every reasonable effort to correct it. Now, I need the CFPBs support in holding these companies accountable for failing to uphold their legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief