Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am filing this formal complaint against multiple collection accounts that have been reported inaccurately on my credit file. The following accounts are being disputed due to serious concerns about the accuracy, completeness, and legal compliance of the information furnished to the credit bureaus : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2200.00} XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entries ) XXXX XXXX  Dates Opened : XX/XX/XXXX and XX/XX/XXXX Balances Owed : {$250.00} and {$520.00} XXXX  XXXX  ( XXXX ) ( XXXX entries ) XXXX XXXX Date Opened : XX/XX/XXXX Balances Owed : {$200.00} and {$270.00} I have never received any proper validation of these alleged debts. According to Section 809 of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), a debt collector must provide proper validation of a debt upon request. I exercised my right to request validation, yet none of these companies provided sufficient evidence that the debt is mine or that they are legally authorized to collect on it. Reporting these accounts without proper validation violates federal law. 

Furthermore, these accounts continue to be reported with inconsistent or duplicate information across the credit bureaus. For example, XXXX XXXX has two separate listings for the same creditor with slight balance differences, which appears to be duplicate reporting a tactic that inflates my debt-to-income ratio and unfairly damages my credit standing. This behavior is misleading and violates the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ), which requires that furnishers report only accurate and complete information. 

Additionally, these collections are showing up under my file without confirming that the debt is even mine. I was never notified of these debts, nor was I provided the opportunity to dispute them before they were reported, which violates my right to due process under the FDCPA and FCRA. 

XXXX and XXXX XXXX in particular are reporting inflated balances and inaccurate opening dates. This inconsistency raises concerns about re-aging of debt, which is prohibited under the FCRA because it unfairly prolongs the time a negative item can affect a consumers credit. 

This inaccurate and harmful reporting has caused severe damage to my creditworthiness, leading to multiple credit denials and emotional distress. These accounts are not properly verified, are duplicative, and have not met the legal standards for accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau investigate these companies for willful non-compliance with the FDCPA and FCRA, and take appropriate regulatory action. I am also requesting the permanent deletion of these accounts from my credit report due to their failure to provide legally compliant verification and accurate reporting. 

Thank you for your assistance in protecting consumer rights and ensuring fair credit reporting practices.

Company response to consumer: Closed with non-monetary relief