Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I am submitting this consumer complaint regarding the collection account being reported and pursued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in connection with XXXX XXXX XXXX. 
This account has been incorrectly reported under the name " XXXX XXXX, '' which has never been my legal identity. My correct legal name is XXXX XXXX, as verified by the my government-issued identification, utility bills, and lease documentation. Despite multiple written disputes and a cease-and-desist demand, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to correct this misidentification or provide legally sufficient debt validation. 
Furthermore, they are inaccurately reporting inflated charges for XX/XX/year>, even though I formally vacated the property on XX/XX/year>, after providing proper written notice on XX/XX/year>. No move-out inspection, itemized breakdown, or damage assessment has been furnished to justify these charges and where they derived. 
The attached documents provide clear evidence of violations under multiple federal and state regulations : Violations Under the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumer reporting agencies and furnishers of information must ensure that reported information is accurate, complete, and properly verified. The following violations have occurred : - Failure to investigate disputes : Under 15 U.S.C. 1681s-2, furnishers of credit information are required to investigate disputed accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to properly investigate and correct this misreporting. 
- Reporting inaccurate information : Despite receiving multiple formal disputes, the company continues to report incorrect personal information, violating 15 U.S.C. 1681e ( b ), which requires credit reporting accuracy. 
- Failure to provide debt validation before reporting : Under the FCRA and FDCPA, a collection agency must verify the legitimacy of a debt before reporting it to credit bureaus. In this case, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported the debt without proper verification. 
Violations Under the Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors must adhere to strict consumer protections regarding fair and legal collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated the FDCPA through the following actions : - Failure to provide debt validation : Under XXXX5 U.S.C. 1692g ( b ), a debt collector is required to cease collection efforts until the debt is validated. They have continued collection efforts without properly verifying the debt. 
- Misrepresentation of debt amount : Reporting inflated charges for XX/XX/year> when no breakdown or justification was provided violates 15 U.S.C. 1692e, which prohibits false or misleading representations regarding a debt.

- Continued collection attempts despite identity discrepancies : Pursuing debt under the incorrect name constitutes deceptive collection practices under 15 U.S.C. 1692d and 1692e ( 2 ) ( A ). 
Additionally, consumer protection violations have occurred under both California and Georgia law, as this matter originated in California and I now reside in Georgia. The continued misreporting has caused emotional and reputational harm, interfering with my ability to secure housing and rebuild my credit. 
Request for Resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not own this debt and has acknowledged they are only retained for collection. As such, they are required to validate the debt before engaging in any reporting or collection activity, which they have failed to do. Even after being advised of this, it was ignored. 
I respectfully request the following corrective actions : - Permanent deletion of this account from all credit reporting agencies. 
- Cessation of all collection activity, including any further attempts to pursue payment. 
- Formal acknowledgment of the misreporting and identity mismatch.

Company response to consumer: Closed with explanation