Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint Against Multiple Debt Collectors for FDCPA and FCRA Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the following debt collection agencies for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX Accounts- {$210.00} - Opened XX/XX/XXXX, XXXX {$430.00} - Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX Accounts- {$420.00} - Opened XX/XX/XXXX, XXXX {$1100.00} - Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Accounts- {$990.00} - Opened XX/XX/XXXX, XXXX {$1500.00} - Opened XX/XX/XXXX ( CLOSED XX/XX/XXXX, but dispute marked 'resolved - subscriber disagrees ' ) XXXX. XXXX XXXX XXXX - XXXX Account- {$1300.00} - Opened XX/XX/XXXX I initially sent dispute letters on * * XX/XX/XXXX * * ( to all companies ), with follow-up letters sent on * * XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX * * to the respective XXXX. 
Despite these repeated efforts, the following occurred : - XXXX XXXX has only provided billing statements and falsely marked XXXX dispute as 'resolved ' while closing the account to mask damage. Since my XX/XX/XXXX letter ( which marks my XXXX dispute ), I have received no response. However they have continously changed the status of these collection accounts which continue to gravely impact my credit. 
- XXXX XXXX XXXX responded with billing statements ( not legal proof ). 
- XXXX XXXX XXXX has responded stating a different company bought the debt and then sent me billing statements. 
- XXXX XXXX XXXX sent me billing statements and when i followed up with another dispute letter, I received a letter from security credit services stating they had no duty to continue providing verification multiple times or to provide verification after the XXXX day validation period under XXXX expired. A billing statement is not proof of debt verification. On XX/XX/XXXX, XXXX XXXX XXXX " removed the collection account '' and immediately added it back to my credit report causing my credit to drop by XXXX points! i received NO written notifications from the credit bureaus. Nothing. 

If a billing statement was all the proof needed, anyone could report whatever they wanted!!! These companies are actively sabotaging me and my life!!! XXXX XXXX and XXXX both have had lawsuits filed against them by the CFPB for FAILING TO PROPERLY VALIDATE DEBT!!! AND THEYRE DOING IT AGAIN!!! 

None of these companies have provided : A signed agreement or contract bearing my SIGNATURE A full chain of title or bill of sale A sworn affidavit or notarized legal proof of debt ownership Despite repeated attempts, these collectors continue to report the debts on my credit reports, harming my score and violating : FDCPA XXXX ( b ) Failure to cease collection pending proper validation FDCPA XXXX ( XXXX ) False or misleading reporting of disputed debts FCRA XXXX ( b ) Failure to investigate disputed information properly California XXXX XXXX XXXX Incorporating FDCPA into state law These ongoing reporting practices without proper legal validation violate my rights, they have damaged my credit and have caused me a lot of grief. I have been trying to dispute since XXXX, submitting the proof I have to Equifax, Experian, and Transunion because none of my credit reports match. 
Both Experian and TransUnion have rejected my disputes, falsely claiming identity fraud despite receiving a copy of my driver 's license and XXXX XXXX XXXX utility bill. They : Denied my disputes with no investigation Failed to mark accounts as disputed Allowed deleted accounts to reappear on my reports Refused to reconcile discrepancies among the XXXX major bureaus I am deeply frustrated by these systemic failures. My identity has been verified numerous times, and Ive acted in good faith to resolve these issues. Yet I am punished by inaccurate, damaging reporting, and obstructive responses from both furnishers and CRAs. How am I supposed to fight for myself if no one is doing their part? How much more proof do I need to submit to prove my identity? They dismiss my disputes and continue to ruin my life. Some accounts have been deleted in my disputes ; however, they reappear in my credit report. I have sent a separate letter about that issue. All the debt collectors I have listed literally have lawsuits filed against them by you, the CFPB, for deliberately violating the rights of consumers by dismissing disputes and not properly validating disputes when a consumer reaches out! 

________________________________________ I Am Requesting the CFPB to : XXXX. Investigate all listed debt collectors for failure to validate and continued unlawful credit reporting XXXX. Suspend all collection and reporting activity until full legal validation is provided XXXX. Demand the permanent deletion of all unvalidated accounts from my credit files XXXX. Order Experian, Equifax, and TransUnion to investigate thoroughly and correct my reports. 
Thank you for your time, and for your continued work to uphold consumer protection. I trust that the CFPB will take this matter seriously. 
Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief