Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Credit Reporting, Verification Failures, and Collection Agency Misconduct I am filing this complaint against XXXX, Equifax, XXXX, and the following furnishers of information : XXXX XXXX ( Account Number : XXXX ) A collection agency associated with a debt that was promised to be removed after payment. 

The issues involve improper credit reporting, failure to verify disputed accounts, and misleading or unfair practices under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

1. Collection Agency Misconduct : I agreed with a collection agency to pay off a debt in exchange for removal of the account from my credit reports. After the debt was paid, the collection agency failed to remove the account and instead continued to report it. The original creditor later bought back the debt from the Collection agency for {$0.00} and continued to report the account as delinquent. Despite my numerous disputes with the collection agency and credit bureaus, the credit bureaus keep verifying the account without providing hard evidence of how it was verified when ask. This misrepresentation of the account status has severely impacted my credit report and score. 

XXXX XXXX XXXX  ( Account Number : XXXX ) : This account has been improperly reported as charged off as bad debt or charge off instead of reflecting accurate and fair comments, such as paying as agreed or paid off. The failure to include accurate comments misrepresents the status of the account and has caused significant damage to my credit profile. 

Additionally, I have submitted multiple disputes with the credit bureaus and XXXX XXXX XXXX  Despite my requests, the credit bureaus continue to verify the account without providing hard evidence of how they verified the information or substantiated the comments being reported. 

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) : Credit reporting agencies failed to perform a reasonable investigation into my disputes and continued to report inaccurate or unverifiable information. 

2. Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) : Despite requesting proof of verification, the credit bureaus have not provided any substantive evidence of how these accounts were verified. 

3.Re-Reporting Without Certification ( FCRA 611 ( a ) ( 5 ) ( B ) ) : The collection agency improperly re-reported the debt without proper certification of accuracy. 

4.Reporting Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ) : Furnishers ( such as XXXX XXXX ) continue to report inaccurate account comments that misrepresent the accounts status. 

Fair Debt Collection Practices Act ( FDCPA ) : 1. False or Misleading Representation ( FDCPA 807 ) : The collection agency misled me by failing to honor an agreement to remove the debt after payment. 

2.Failure to Validate Debt ( FDCPA 809 ( b ) ) : The collection agency has not provided validation or documentation to substantiate the debt despite my written disputes. 

3.Unfair Practices ( FDCPA 808 ) : Continuing to report a debt after agreeing to remove it and buying it back at {$0.00} constitutes an unfair and deceptive practice. 


These actions have caused significant harm to my credit score and report, limiting my financial opportunities and causing undue stress. The failure of credit bureaus and furnishers to comply with federal laws has further compounded this damage.