Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against XXXX and the collection agencies they employ for repeatedly reporting a debt that I do not owe. This ongoing issue has caused significant damage to my credit score and financial stability. Despite my efforts to resolve the matter, XXXX and their associated collection agencies have failed to provide any proof of the alleged debt and continue to report inaccurate information to the credit bureaus. 

Background of the Issue In XX/XX/XXXX, a collection account tied to XXXX first appeared on my Equifax credit report. After disputing the entry, it was removed. However, in XX/XX/XXXX, similar collection accounts began reappearing on my credit report, now reported by different collection agencies acting on behalf of XXXX XXXX These repeated entries have drastically lowered my credit score and have caused unnecessary financial stress. 

My Efforts to Resolve the Issue Contacting XXXX : I reached out to XXXX to request details about the alleged account, including proof that it was created by me. Despite my requests, they have failed to provide any documentation or evidence linking me to this account. 

Dealing with Collection Agencies : Each time a collection entry appears, I dispute it with the credit bureaus. While the entries are temporarily removed, they resurface after several months, reported by a different agency. This cyclical process is unjust and harmful to my credit health. 

Inaccurate Reporting : I have never had an account with XXXX, nor have I used their services. The repeated reporting of this debt is not only inaccurate but also a violation of my consumer rights. 

Impact on My Life These unfounded collection entries have : Significantly lowered my credit score, affecting my ability to secure loans and financial products. 

Caused emotional distress due to the repeated need to dispute and monitor my credit report. 

Created undue financial pressure, as I am being held responsible for a debt I did not create. 

Request for Resolution I respectfully request the CFPBs assistance in the following : Investigate XXXX and Their Collection Agencies : Ensure they provide proof of the alleged debt or cease reporting it. 

Permanently Remove Inaccurate Entries : Require all credit bureaus to permanently remove any entries related to this unfounded debt from my credit report. 

Prevent Future Occurrences : Mandate XXXX and their collection agencies to stop assigning or reporting this alleged debt to any collection agency or credit bureau in the future. 

I have attached all relevant documentation, including copies of my credit reports, prior dispute letters, and correspondence with XXXX and the collection agencies. 

Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumers from unfair and deceptive practices. Please let me know if you require any additional information or documentation.

Company response to consumer: Closed with non-monetary relief