Consumer complaint received 2025-11-06 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: NE

Complaint narrative:
I disputed a {$7700.00} collection from XXXX XXXX XXXX that Equifax is the ONLY credit bureau still reporting. This debt is not valid and was created illegally by The XXXX XXXX  ( XXXX, CA ) while I was living there and at move-out. The amount includes illegal fees, charges not allowed under California law, and items never documented within the required XXXX window. 

My apartment was uninhabitable and unsafe : the front door did not lock from the outside ( people, including children, were opening my door ), the fire alarm was blaring and malfunctioning, XXXX repeatedly failed for days at a time in XXXX temperatures, the sink and disposal cracked and leaked, vents were full of debris, water damage and mold-like odors were present, and multiple work orders were ignored. I am a 100 % XXXX XXXX, and these conditions seriously affected my and my childrens safety and health. 

Management locked me out of my tenant portal, refused rent while my VA assistance was processing, and repeatedly threatened eviction resulting in {$1100.00} for court costs. They added illegal fees during my tenancy ( which I paid ), even though no judgment occurred. On XX/XX/XXXX they created an eviction ledger with inflated charges.They sent someone to my door to get my signature for the eviction case after it was dropped, but when it was dismissed they still billed me for court fees I did not legally owe. 

Due to these uninhabitable conditionsincluding the non-locking door, malfunctioning fire alarm, water damage, mold-like odors, and repeated safety failuresI legally terminated the lease under California Civil Code 1942 and moved out on XX/XX/XXXX. Because I had no stable housing at that time, I told management that all communication must be sent by email. They never emailed me any itemized deposit statement within 21 days. On XXXX XXXX they sent only a total balance with no itemization, no receipts, and no explanation. The first time I ever received any receipts was 78 months later, in XX/XX/XXXX. Under California XXXX XXXX XXXX, all charges are invalid. 
The debt also includes an illegal {$500.00} service dog fee for a dog that did not live there, which is prohibited under the Fair Housing Act. The regional manageXXXX later admitted she never received the amounts I disputed. 

I disputed this with Equifax multiple times, but they closed my disputes within days without reviewing evidence. XXXX  and XXXX  already deleted this exact same account, but Equifax did not. I was denied a XXXX XXXXXXXX XXXX in XX/XX/XXXX because Equifax is still reporting this false debt Move-in : XX/XX/XXXX Move-out : XX/XX/XXXX Legally required XXXX itemization due : XX/XX/XXXX Landlord sent inaccurate disposition : XX/XX/XXXX Landlord did not send itemized receipts until : XX/XX/XXXX Debt was sent to collections shortly after XX/XX/XXXX without investigation. 
Equifax continues reporting an incorrect balance of {$7700.00}.

Company response to consumer: Closed with explanation