Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing in response to an information packet dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, concerning a debt you allege I owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling * * \ {$3700.00} * *. This is a formal notice that I dispute the validity and accuracy of these accounts in accordance with the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, and the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * After reviewing the documentation provided, I have identified the following serious legal deficiencies that require immediate deletion of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lack of Signed Lease or Agreement * * * No signed lease, rental agreement, or contract bearing my signature has been provided. 
* The payment plan agreement included in the packet contains * * no signature from me * * and therefore can not establish liability. 
* Under * * FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) * *, debt collectors must provide verification of the debt upon request. Verification requires actual contractual proof of liability. A non-signed form does not satisfy this requirement.

* Reporting unverifiable debt violates * * FCRA 1681e ( b ) * *, which requires maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Duplicate Collection / Double Reporting * * * The documentation lists * * XXXX separate accounts * * with XXXX XXXX : * \ {$1200.00} * \ {$1900.00} * However, only * * XXXX court judgment exists * * ( XXXX XXXX XXXX XXXX, Docket # XXXX ), showing a judgment of * * \ {$1800.00} including possession of the property * *. 
* No second court judgment was included. Attempting to collect both debts appears to be * * duplication of the same obligation * *, a violation of * * FCRA 1681i * * ( failure to ensure accurate reinvestigation ) and * * FDCPA 807 ( 2 ) ( A ) * * ( false representation of the character, amount, or legal status of a debt ). 

-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Plan & Credits Not Reflected * * * The provided XXXX XXXX XXXX payment plan shows * * payments made from XX/XX/XXXX through XX/XX/XXXX * * totaling over * * \ {$1000.00} * *. 
* The agreement also specifies a * * \ {$350.00} write-off * *. 
* These payments and credits are not reflected in the balance of * * \ {$3700.00} * * currently being reported. 
* Under * * FCRA 1681e ( b ) * * and * * FDCPA 807 ( 2 ) ( A ) * *, failure to apply payments and accurately reflect balances is unlawful. 

-- - # # # * * XXXX. Inflated and Inconsistent Balances * * * The creditors own documentation lists a total owed of * * \ {$3400.00} * * if all terms were upheld. 
* XXXX XXXX XXXX is reporting * * \ {$3700.00} * *, an inflated and inconsistent balance with no legal basis. 
* This violates * * FCRA 1681e ( b ) * * and * * FDCPA 807 ( 2 ) ( A ) * *. 

-- - # # # * * XXXX. Continued Reporting of Disputed Debt * * * Under * * FCRA 1681s-2 ( a ) ( XXXX ) * *, once a consumer disputes a debt, the furnisher must report the account as disputed. 
* XXXX XXXX continues to report this account to Equifax without proper notation. This is a direct FCRA violation. 

Pursuant to * * FCRA 1681i ( a ) ( 5 ) ( A ) * *, if an item can not be verified, it must be deleted. Given the absence of a signed lease, the duplicate reporting, the failure to credit payments, and inflated balances, this account is * * unverifiable and inaccurate * *.

Company response to consumer: Closed with explanation