Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Negligent Non-Compliance with 15 U.S.C. 1681o of the Fair Credit Reporting Act To Whom It May Concern, I am submitting a formal complaint against Equifax for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. Equifax has failed to properly investigate and correct inaccurate information on my credit report, despite the submission of documentation supporting my dispute. 

The dispute in question pertains to an account with XXXX XXXX XXXX, which claims I owe {$7700.00} for alleged damages, fees, and other charges. These claims are entirely inaccurate for the following reasons : 1. I paid my rent in full through the end of the lease term, which ended in XX/XX/XXXX. 

XXXX. On XX/XX/XXXX, I informed the property manager of my intention to renew my lease. However, on XX/XX/XXXX, the property manager informed me that I could not renew the lease. I fulfilled my lease obligations through XX/XX/XXXX and vacated the property. 

XXXX. The alleged damages, such as carpet replacement, wall damage, and cleaning fees, are either pre-existing issues or false claims. There were no damages upon my departure. 

XXXX. All keys were returned at the end of my lease term, and I have provided proof of this in my dispute with Equifax. 

XXXX. The property manager at XXXX XXXX XXXX claimed that I could not create a new lease because my former co-tenant, XXXX XXXX, had to acknowledge being removed from the old lease. This requirement was irrelevant, as the old lease had already ended, and I had fulfilled all terms. 

Equifax failed to conduct a reasonable reinvestigation of my dispute, as required under 15 U.S.C. 1681i. Their negligence in reporting inaccurate debt violates the FCRA and has caused significant harm.

Impact of Negligence : Equifaxs negligence has caused significant harm, including : Damage to my credit report and score. 
Emotional distress and financial hardship from dealing with this inaccurate report. 
Difficulty obtaining financial services due to the erroneous debt reported on my profile.

Requested Action : I request that Equifax : 1. Conduct a thorough reinvestigation of the disputed account and remove this inaccurate information.

2. Provide written confirmation of the removal and any changes made to my credit report.

3. Hold Equifax accountable for its negligence under 15 U.S.C. 1681o.

I have enclosed copies of all supporting documents, including correspondence with XXXX XXXX XXXX, proof of payment, and evidence of my fulfilled obligations under the lease. 

Sincerely, XXXX XXXX XXXX : Correspondence with XXXX XXXX XXXX Supporting documentation ( e.g., receipts, proof of payment, move-out records ) Credit report showing disputed information

Company response to consumer: Closed with explanation