that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.,,EQUIFAX

What the CFPB Record Shows About that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.,,EQUIFAX

that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.,,EQUIFAX has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to It w, and the most recent logged activity is It was als, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.,,EQUIFAX reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "the balance amounts reported to the credit bureaus DO NOT include interest. The same is true with my mortgage account and previous car account. In fact an Open Account should not show a balance that includes interest. I also checked with the CFPB and read the FCRA. The interest amount is only included in the payments. The balance is always a principle amount when reported to the credit bureaus. The same applies on my Lendmark Statements. It only reports the principle for balance amount. So that magnifies the mystery as to where did that {$11000.00} amount come from For this you have to look at Exhibit 1 ( attached ) which a snap of a downloaded section of my XXXX Credit report. Looking at Exhibit 1 the problem becomes obvious as you notice that there are two payments listed under XXXX and XXXX ( two months before contract due date ) that are {$430.00} for each of those months under Scheduled Amount The question became", and the single most common underlying issue is "why is a scheduled payment amount entered and not showing a paid amount but better than that why are there payment entries entered for two months that are not in the contracts start or first payment agreement. By agreement".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.,,EQUIFAX: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.