Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
purchased a vehicle from XXXX auto in XX/XX/XXXX. It was a buy here pay your vehicle. I took the vehicle to the shop. They told me that I could return the vehicle before 30 days. If I find something was wrong with it I went I found that it was a whole bunch of problems that cost more than the vehicle asked. Could I return the vehicle instead of them allow me to return the vehicle they smacked the vehicle my credit I continue to make my payments. I went out of town I was told and while I was on the highway on my way out of town to bring the vehicle back I told him that I already had things to do I cant bring the vehicle back yall smack the vehicle my credit so at this point the vehicle is mine is not yours anymore. The lady was very belligerent and she was yelling, cursing and swearing being very unprofessional so as time went by I made a payment of {$200.00} my card I had to get a new debit card so I spoke to somebody there. They said it was fine. I can make the {$200.00} payment as long as I make the {$65.00} payment before my next payment which we know you supposed to have a 30 day grace period or anything definitely a car they didnt give me a 30 day grace period they didnt give me none of that. I end up paying if they end up coming to take the car unannounced to me. I didnt know they took the car. I thought somebody stole the car so I called the police made a police report For the vehicle within that time. The police reached out to XXXX auto and thats when XXXX auto sent me a text message saying hey we have to be email saying hey we have the vehicle here make a good faith payment and you have a payment thats coming up in the next week and pay for the towing expenses. I explain to them XXXX XXXX coming to get the vehicle cause at that time. My other vehicle was down so I explained to them XXXX XXXX coming to get the vehicle. I came to get the vehicle when I got there the lady who I had a disagreement with which her name is XXXX she was like very belligerent upset. She kept telling him shes not getting a vehicle. Shes not getting that vehicle anyway she get that vehicle that she paid {$10000.00} for the car Which the car is not even worth that amount and I didnt owe him anything I was told as long as I made my payments and I didnt damage the vehicle that the vehicle wouldnt go on my credit, but they illegally put it on my credit. I didnt damage the vehicle. I dont owe him anything. I looked up the VIN number on the vehicle through the XXXXMV Minnesota DMV and I found out that that they had re-sold the vehicle within 30 days of taking the vehicle from me and then they didnt put nothing about me not paying or anything on my credit until like XX/XX/XXXX or XXXX XX/XX/XXXX yeah its just bad practices. I dont owe him anything. They just doing this because theyre being spiteful and vindictive towards me because she tried to tell me to bring the vehicle back and I told her yall put it on my credit is technically my car Im making payments. You cant tell me that I cant go out of town. You cant tell me I cant go nowhere. You cant tell me what I could do on the vehicle that Im paying for.

I am not the only person that has been treated poorly and scammed out of money and their information.

Company response to consumer: Closed with explanation