Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax, XXXX XXXX  for violations of federal consumer protection laws regarding inaccurate credit reporting and improper debt collection practices that have devastated my credit profile and ability to secure housing. As a confirmed victim of the XXXX Equifax data breach, I have experienced numerous questionable accounts and negative items appearing on my credit reports, and the companies listed above have failed to properly investigate and remove these disputed accounts despite my attempts to resolve these issues. 


COMPANIES INVOLVED Primary Respondents : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX charged-off accounts ) XXXX XXXX XXXX - Debt Buyer/Collector XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  - Collection Agency LEGAL VIOLATIONS 1. FAIR CREDIT REPORTING ACT ( FCRA ) VIOLATIONS - 15 U.S.C. 1681 et seq.

Section 1681e ( b ) - Reasonable Procedures to Assure Maximum Possible Accuracy : Equifax failed to maintain reasonable procedures to ensure the accuracy of credit information Multiple accounts are showing as legitimate debts that I dispute and do not recognize Section 1681i - Procedure in Case of Disputed Information : Credit reporting agencies failed to conduct adequate investigations when disputes were filed Evidence shows " Consumer Disputes This Account Information '' notations but accounts remain on reports Failed to remove disputed accounts despite proper dispute procedures being followed Section 1681c ( a ) - Requirements Relating to Information Contained in Consumer Reports : Reporting outdated negative information beyond statutory timeframes Some delinquency dates trace back to XXXX, with continued reporting of stale debt 2. FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) VIOLATIONS - 15 U.S.C. 1692 et seq.

Section 1692e - False or Misleading Representations : Collection agencies pursuing debts that I dispute and do not recognize Failing to verify legitimacy of debts before collection attempts Section 1692f - Unfair Practices : Attempting to collect disputed debts without proper verification Reporting to credit bureaus without adequate verification procedures XXXX. CONSUMER PROTECTION VIOLATIONS Inadequate Account Verification : Multiple questionable accounts appear on credit reports As a confirmed victim of the XXXX Equifax data breach, heightened verification should be standard FACTUAL BACKGROUND Equifax Data Breach Impact On [ Date of breach notification ], I was notified that my personal information was compromised in the XXXX Equifax data breach ( confirmation provided ). This breach exposed sensitive personal data including : Social Security Number Date of Birth Address Information Financial Account Details Disputed Account Timeline I dispute the validity of multiple accounts that have appeared on my credit reports : * XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Status : Charged Off ( {$130.00} ) First delinquency : XX/XX/XXXX I dispute this account * XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Status : Charged Off ( {$470.00} ) First delinquency : XX/XX/XXXX I dispute this account XXXX XXXX XXXX XXXX Loan Balance : {$4400.00} Status : Charged Off Vehicle repossessed I dispute this account and the associated repossession Multiple Collection Accounts Totaling {$28000.00} : XXXX XXXX XXXX : {$650.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX : {$18000.00} ( XXXX accounts ) XXXX XXXX : {$370.00} XXXX XXXX {$2600.00} XXXXXXXX XXXX  : {$3800.00} XXXX dispute all of these collection accounts Dispute Attempts Multiple disputes have been filed with credit reporting agencies, as evidenced by narrative codes showing " Consumer Disputes This Account Information '' and " Account Previously in Dispute - Now Resolved by Data Furnisher. '' However, these disputed accounts remain on my credit reports without proper resolution. 

DAMAGES AND IMPACT Housing Discrimination The disputed negative items have resulted in : Denial of rental applications- Multiple apartment complexes have rejected applications, citing poor credit Inability to secure stable housing - Forced to accept substandard housing options Higher security deposits when housing is obtained Limited housing options in safe neighborhoods Financial Harm Credit score destruction - Current FICO score of XXXX ( Poor range ) Higher interest rates on any approved credit Inability to obtain favorable loan terms Lost opportunities for employment requiring credit checks Emotional distress from ongoing harassment by debt collectors Ongoing Collection Activities Despite being a confirmed victim of the XXXX Equifax data breach, I continue to receive collection calls and letters for disputed debts, causing : Harassment and emotional distress Time lost from work to address these issues Mental anguish and anxiety

Company response to consumer: Closed with non-monetary relief