Consumer complaint received 2025-08-01 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: MN

Complaint narrative:
To : Whom it may concern, i am filing this complaint because Equifax is reporting a debt related to charges that were fraudulent, retaliatory and inaccurate. I rented from highland management group from XX/XX/XXXX to XX/XX/XXXX. During my tenancy, i experienced severe habitability violations including not receiving a working key for over 3 days after moving in, i documented these issues including the verified inspection sheet noting that i took possession with a key. Despite being told by highland that i would not be charged for the key, i was later billed XXXX for it and this false charge was included in the balance sent to Equifax I took over the unit on XXXX XXXX without either the building key or a unit key, I stated such on the inspection sheet that was then verified by XXXX representative on XX/XX/XXXX. 

XXXX rent on XX/XX/XXXX = XXXX via money order. 
XX/XX/XXXX i was charged XXXX late fee and this was mailed to me and it was received on the and i tried to communicate that same day to no response. 
XX/XX/XXXX I received an unsigned pay or vacate for XXXX i attempted to clarify billing with the same number requesting XXXX XX/XX/XXXX unsigned balance due of XXXX XXXX XXXX attempt to collect XXXX, i tried to communicate and got no response XX/XX/XXXX my neighbors body had been found in his unit directly above me in XXXX, after a few days and they were either cleaning up after his body was taken or this was from the decay of his body, either way it seeped into the ceiling of my bedroom, i text a picture of that biohazard to the same management number i had been communicating with. I stopped using that room but was later billed for the painting over of that biohazard totaling XXXX in painting for ceiling and second coat of paint. XXXX finally acknowledged his passing and took their own picture of that same biohazard, submitting it that as a bill i was responsible for. Which is also on my credit report as listed damages. 

XXXX rent was paid on XX/XX/XXXX XXXX via pay Lease instant service. 
XX/XX/XXXX i received an unsigned late notice/ request for payment for XXXX and another late charge for XXXX. 

XXXX rent was paid XX/XX/XXXX, XXXX via money order XX/XX/XXXX late cahrge XXXX XXXX rent was paid XX/XX/XXXX in the amount of XXXX XX/XX/XXXX late charge XXXX XX/XX/XXXX unsigned late rent notice for XXXX. XX/XX/XXXX unsigned pay or vacate notice for XXXX XXXX rent was paid XX/XX/XXXX XXXX via pay XXXX, XXXX rent was paid on XX/XX/XXXX XXXX via pay lease, XX/XX/XXXX late charge XXXX XX/XX/XXXX, unsigned late charge billed XXXX to include XX/XX/XXXX XXXX extra in billing XX/XX/XXXX, unsigned late charge billed XXXX to collect. 
XX/XX/XXXX, unsigned late charge billed XXXX /attempt to collect XXXX rent paid XX/XX/XXXX XXXX, XX/XX/XXXX unsigned attempt to collect XXXX, XX/XX/XXXX unsigned attempt to collect XXXX XXXX rent was paid XX/XX/XXXX XXXX XX/XX/XXXX, late charge XXXX XX/XX/XXXX, unsigned attempt to collect XXXX XX/XX/XXXX, unsigned attempt to collect XXXX, XX/XX/XXXX lease changes from XXXX to XXXX in monthly rent removing garage XXXX. XX/XX/XXXX, unsigned attempt to collect XXXX XXXX rent was paid XX/XX/XXXX XXXX via pay lease XX/XX/XXXX, late charge XXXX? 
XX/XX/XXXX unsigned attempt to collect/ late rent notice XXXX, XX/XX/XXXX i attempted to communicate to no response. XX/XX/XXXX unsigned pay or vacate XXXX, XX/XX/XXXX, i paid unsigned pay or vacate in fear of losing housing XXXX rent was paid XX/XX/XXXX XXXX I made several requests to clarify billing and either got the run around dodged or lied to conversations included in next section. 

XX/XX/XXXX, i issued a written statement to highland management explaining why for withholding further payments due to clear pattern of billing fraud, retaliation and financial abuse. Despite these notices, they ignored my concerns, fabricated additional charges and proceeded to bill me XXXX for XXXX and XXXX nearly XXXX more than the actual rent, without clarification or a correct billing ledger or final walk thru or legal justification. 

XXXX filed said eviction in XXXX XXXX housing court on XX/XX/XXXX and the case was expunged citing minn.stat. section XXXX subd XXXX on XX/XX/XXXX, sealing the entire court file and prohibiting its use against me in housing or credit decisions. Despite this order, highland management later provided a retaliatory tenant reference stating f i had been a better tenant, the reports would have been different. This violates both the expungement order and the written settlement agreement and has cause me serious harm to my housing access and credit standing. 
because i was denied an exit walk through with staff, i took over all time stamped pictures of the entire apartment, i was later charged for nail holes, some of which had been previously painted over, and some that i repaired but are covered under the lease regardless, items that were broken when i moved in and listed on the move in sheet & verified by highland management on XX/XX/XXXX XXXX include clearly present and undamaged drip pans but inflated to XXXX when XXXX has XXXX for XXXX, the key which i was told i wouldn't be charged for, the biohazard paint over, the broken balcony door with its security stick for the broken bedroom window which they charged me XXXX to fix. and labor it effectivley ended any attempt to rent, as they all said the same thing they had to go based off the report.

Company response to consumer: Closed with explanation