Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5112468
Complaint Overview
Complaint ID: 5112468
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Texas
ZIP Code: 77054
Date Received: 2022-01-15T12:00:00-05:00
Date Sent to Company: 2022-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX XXXX XXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 2- XXXX did not have my correct mailing address or my email. 3- efforts should have been made to contact the dealership to get my correct contact information. Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a XXXX and I work at XXXX XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. Please feel free to call me at XXXX to discuss further if needed. Thank you so much
Frequently Asked Questions
What is Complaint #5112468 about?
Complaint #5112468 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-01-15T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.