Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
BACKGROUND FACTS : I took out a lease of a XXXX XXXX XXXX XXXX with a term of 24 months on XX/XX/XXXX. ( see attached documentation ) My first lease payment was XXXX XX/XX/XXXX and was followed by 23 payments of {$190.00} due on the XXXX day of every month for 24 months. 

My final lease payment originally would have been on XX/XX/XXXX. 

I extended my lease with the intent to purchase which would have made my next due date for the XXXX payment due on XX/XX/XXXX and my XXXX payment due on XX/XX/XXXX, but I exited my lease on XX/XX/XXXX by purchasing the vehicle. 

My credit report shows that my last lease payment was made on XX/XX/XXXX. 

My credit report also shows that XXXX last reported on XX/XX/XXXX. 

My credit report also shows that my payment due XX/XX/XXXX was greater than 30 days late. This is not possible. Here 's why : Even if I had not exited my lease on XX/XX/XXXX, and even IF XXXX didn't actually receive my XXXX lease payment until XX/XX/XXXX because of some bank error or bak delayed processing - as they are erroneously, and possibly fraudulently reporting - XX/XX/XXXX is STILL not greater than 30 days late. It would not have been over 30 days late until after XX/XX/XXXX. 

DETAILS OF THE TRANSFER FROM LEASE TO PURCHASE : The transfer from lease to purchase of the same vehicle was done at the XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, MI XXXX. Their phone number is XXXX. The vin number is XXXX. The vehicle is a XXXX XXXX XXXX XXXX. 

When I purchased my previously leased vehicle on XX/XX/XXXX, my loan was through XXXX XXXX XXXX  XXXX. 

DETAILS OF MY COMPLAINT My credit report from XXXX of XXXX shows that on XX/XX/XXXX, XXXX XXXX reported that all my payments were made on time. ( See attached photo. ) XX/XX/XXXX, my credit report changed suddenly. Now, it shows that I was greater than 30 days late on my XX/XX/XXXX payment which was due XX/XX/XXXX. This is after they had already reported that my payments were all made on time. This is also despite their own claim that I paid my XX/XX/XXXX payment on XX/XX/XXXX ( less than 30 days late ) and despite transfering my lease to a purchase on XX/XX/XXXX. 

Essentially, XX/XX/XXXX, XXXX XXXX suddenly and erroneously reported that I had a late payment on a leased car from XXXX of XXXX. That was five years ago. XXXX XXXX never made this claim in over FIVE years. 

Then, this month, they changed the report and claim that I was late on my XX/XX/XXXX payment. This is after they had already reported that my payments were all made on time. 

I have attempted to contact XXXX by email and phone, but they will not discuss it with me. They even acted like they couldn't find my lease agreement in their records until I provided them with the vin number. I have attempted to dispute it on my credit report as well. 

What's even worse is that after I complained, they even changed my " last payment date '' from XX/XX/XXXX to XX/XX/XXXX. ( See attached )

Company response to consumer: Closed with non-monetary relief