Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Texas On XX/XX/year>, I received new correspondence via USPS from XXXX XXXX XXXX XXXX XXXX, as well as a Notice of Dismissal Without Prejudice issued by the XXXX XXXX XXXX XXXX of the Peace, XXXX XXXX Clerk concerning a lawsuit filed by XXXX XXXX, XXXX. Both entities are known debt buyers/collectors that routinely acquire and attempt to collect on alleged consumer debts that have either been charged off or previously dismissed. I submit this complaint to request regulatory oversight, monitoring, and enforcement to ensure that these alleged accounts are not : 1. Resold, reassigned, or transferred to another debt buyer, collector, or third-party entity.

2. Re-aged or re-reported to the consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ).

3. Used to initiate renewed collection activity against me in the future, which would constitute harassment and potential abuse under the Fair Debt Collection Practices Act ( FDCPA ). The dismissal without prejudice by XXXX XXXX does not grant them the authority to recycle or re-initiate collection of this alleged debt through alternative channels or affiliates. Similarly, XXXX XXXX XXXX XXXX XXXX must not be allowed to reassign or sell this alleged obligation to another party. Given my history as a XXXX XXXX XXXX XXXX military veteran, and the continued pattern of harassment and reputational damage I have endured due to inaccurate and duplicative reporting of such accounts, I request the full extent of regulatory enforcement available under : - 15 U.S.C. 1692 et seq. ( FDCPA ) prohibiting unfair, deceptive, and abusive debt collection practices. 

- 15 U.S.C. 1681 et seq. ( FCRA ) protecting against inaccurate reporting, re-aging, and the unlawful furnishing of information.

- Applicable state consumer protection laws in Texas and other relevant jurisdictions.

I further request that the CFPB confirm with both XXXX XXXX XXXX and XXXX XXXX  ( and any of their known affiliates, such as XXXX XXXX XXXX ) that : - These alleged accounts are closed and permanently withdrawn from collection. 

- No future sale, assignment, or transfer of the same alleged debt is permitted. 

- Any consumer reporting related to these accounts is permanently deleted from all consumer reporting agencies. 

Failure to enforce these protections would allow an endless cycle of harassment, re-collection attempts, and re-reporting, which directly undermines the purpose of federal consumer financial protections. 

I respectfully request that the CFPB, in coordination with the FTC, Texas OCCC, and applicable State Attorneys General, take immediate and decisive action to prevent further abuse of the debt-buying system by these entities and others similarly situated.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX, Texas Attachments : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Received XX/XX/year> via USPS ) & Closed CFPB case XXXX with XXXX XXXX response which resulted above-referenced correspondence. 

XXXX XXXX  Notice of Dismissal Without Prejudice XXXX XXXX, XXXX ( Received from XXXX XXXX XXXX XXXX Clerk on XX/XX/year>XXXX  )

Company response to consumer: Closed with explanation