Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TO : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX FR : XXXX XXXX # XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX REF : XXXX XXXX Original creditor : XXXX {$5100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account numberXXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX, XXXXLoan Amount {$5100.00} {$3800.00} Payment Info Original loan amount {$3800.00} Balance {$5100.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account TO WHOM IT MAY CONCERN : The law firm of XXXX XXXX is violating my rights under the FAIR CREDIT ACT, and causing undue stress to me and my family by continuing to violate credit reporting rules, accessing credit every month w/o authorization, continuing to report false balances, and reporting false information for six years. 

If this false information is not removed immediately, you leave me no choice but to retain counsel, and pursue damages from XXXX XXXX, Equifax, XXXX, and XXXX XXXX. 

I would like to give some background information about this entry on my credit and continued harassment of fees unexplained balances. This undue stress is causing me and my family a tremendous amount of harm. 

I lived in this apartment complex from XX/XX/XXXX to XX/XX/XXXX, over 4 years with no issues whatso ever. XXXX reported me perfect to XXXX for four years! 

I was having trouble paying rent, and received notice of evection PROCEEDINGS. I went to court in XXXX, PAID THE COURT IN FULL my rent due and fees. I moved out, with the manager signing off. No problems with the apartment after four years of living there! 

The next thing I know, six months later I see this entry from XXXX XXXX. I called them several times, and offered settlement money, they never accepted. 

Over the last few years XXXX XXXX has submitted FALSE information about the correct balances, they have lied over and over again. This type of abuse of the credit system has consequences, you can not continue to act like this is a current debt, this was a write off in XX/XX/XXXX. XXXX XXXX continues to ping my credit report by continuing to check my credit WITHOUT AUTHRIZATION! THIS IS ANOTHER VIOLATION UNDER THE FAIR CREDIT ACT. 

I have never given them authorization to run my credit or access my credit. They are hitting my credit every month and adding money to the balance. This account is going on 7 years. STOP THE HARRASMENT. 

The apartment was left in PRESTINE CONDITION, with NO DAMAGES! After, living there for four years w/o incident, no damages. See photos attached. 

I am asking XXXX, Equifax, and XXXX XXXX to REMOVE THIS ENTRY IMMEDIATLEY, because of misinformation and abuse of my rights under the FAIR CREDIT ACT. 

If this is not removed, XXXX, Equifax and XXXX XXXX could be held liable for aiding and abetting the criminal act of mis reporting the facts, and disregard for violations under The Fair Credit Reporting Act. 



Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation