Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has broken the fair credit reporting law by decreasing my credit XXXX points due to XXXX XXXX XXXX REPORTING INTEREST ON A DEBT THAT I STATED IS NOT MINES. ive disputed this debt and gave equifax more then 30 days to provide me with the contract with my signature with XXXX XXXX XXXX since they are reporting to my credit interest and making the debt increase. This is not a open loan or a open credit card and it is against the law to report debt that i did not agree to or sign on. I informed XXXX XXXX XXXX this is not my debt and to provide proof, i emailed them that is how they recieved any information about me, this company has failed numerous times to give me what i am requesting and per fair credit reporting act FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.ection 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information.Section 609 of the FCRA gives consumers the right to sue if their rights are violated by a credit reporting agency or creditor, and it allows for punitive damages in cases where willful non-compliance is found. and also The FCRA requires the CRA 's to verify all accounts with your original contract together with your signature. THE FCRA REQUIRES ALL CRA 'S TO VERIFY ALL INFORMATION RECEIVED FROM THE CREDITORS BEFORE ADDING THIS INFORMATION TO YOUR CREDIT FILE. They have failed to do that, the debt collection agency is providing my name and birthdate as proof. I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX OR XXXXXXXX XXXX THAT THEY ARE CLAIMING WAS THE ORIGINAL DEBT AGENCY, THIS IS APARTMENT COMPLEX AND ANY MONEY OWE TO THEM IN MARYLAND THEY ARE SUPPOSE TO SUE IN COURT, THEY HAVE REPORTED THIS FRAUDGENTLY ON MY CREDIT REPORT. XXXX XXXX XXXX emailed me the documents i am attaching, the aprartment complex sent them a lease stating the rent is {$1500.00}, they also sent another document stating the rent due was {$3700.00}, late charges of {$270.00}, that would be 5 months of the state limit for late paying rent, maryland law is late penalty can no exceed 5 %, so how is this true when 5 months they would have evicted me, this entire ledger is incorrect and XXXX XXXX XXXX is taking there word to gain money on the debt. CARPET replacement is also not a charge they can make a leaving resident pay because they have to replace the carpet for future residence especially during this time was XXXX. also they did not provide me with this ledger nor did i agree i owe any of these charges. Federal law requires collection agencies to provide debt validation notices, so you don't need to request one. In some cases, a collector may provide the validation letter as its initial communication to you. If not, they must provide it within five days of their first communication, either in the mail or via email. I am also requesting the proof of that. A debt collectio agency can not take on a debt without valid proof and a ledger of charges is not valid proof. they did not provide the rent that was paid before move out or anything. This is fraud to add this debt to my credit XXXX XXXX XXXX CAN NOT REPORT TO MY CREDIT AND NOT HAVE A ACCOUNT TO COMPLAIN TO FAIR CREDIT REPORT AGENCY. NONE OF THEIR NAMES IS ON THE LIST.

Company response to consumer: Closed with explanation