Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Dispute of Inaccurate Collection Account and Demand for Immediate Deletion To Whom It May Concern : I am writing to dispute the reporting, collection, and furnishing of information related to the following account that has appeared on my consumer credit file and is being reported by XXXX XXXX XXXX XXXX. 

Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX ( XXXX Gas and Electric ) Balance Reported : {$2200.00} Account Status : Placed for Collection Opened : XX/XX/XXXX Address in Question : XXXX XXXX XXXX XXXX, XXXX MD XXXX This reporting is inaccurate, incomplete, unfairly furnished, and violates several provisions of federal law including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. 

On XX/XX/XXXX, I was forced to evacuate my residence due to a hazardous explosion and fire located beneath the building. The XXXX XXXX XXXX issued a legal Cease and Desist order due to severe safety concerns. My residence was classified as uninhabitable by the XXXX XXXX XXXX XXXX XXXX XXXX. I was legally prohibited from reentering the premises and forcibly displaced. The XXXX XXXX XXXXXXXX confirmed the property was unsafe. 

XXXX XXXX Case Number : XXXX Fire Department Event Number : XXXX Event Name : XXXX I XXXX all possessions including clothing, furniture, medical items, electronics, documents, and household property. During this period my utility bills were already covered by XXXX energy benefits. My balance was in good standing with no delinquency. At the time of the disaster my bill reflected approximately {$100.00} and a credit was applied to my account. 

Despite being displaced and physically unable to access the property, XXXX continued billing after I was legally removed from the home. This billing was wrongful, unearned, and is not based on utility consumption by me. Continuing to furnish charges after condemnation is erroneous and constitutes false debt creation. 

Additionally, I have no contract or relationship of any kind with XXXX XXXX XXXX XXXX. This agency is attempting to collect on a disputed, unvalidated debt. Furnishing this information during an unresolved dispute violates : FCRA 602 A Accuracy FCRA 607 B Reasonable Procedures FCRA 611 Placement of Disputed Information FDCPA 807 False Representation FDCPA 808 Unfair Practices FDCPA 809 Failure to Validate Debt Under these laws you must immediately : Investigate this matter Validate the alleged debt Provide written proof of contractual obligation Provide a complete itemized statement Provide documented consumption records after XX/XX/XXXX Provide a copy of any signed agreement authorizing collection If you can not provide every item listed, you must delete this account from my credit file rather than update it. 

This debt is the direct result of XXXX infrastructure failure and city involvement. Displaced victims should not be billed for utilities in buildings condemned for safety. Reporting this as a valid collection is harmful, unethical, and negligent. 

Any continued reporting after receipt of this dispute will be considered : Willful noncompliance under FCRA 616 Negligent noncompliance under FCRA 617 Defamation of character Harmful furnishing of inaccurate information I demand IMMEDIATE DELETION of this collection account from all credit bureaus. This account was created under false conditions and is neither accurate nor complete as required by law. 

Failure to comply within 30 days will result in complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Maryland Attorney General XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Civil litigation in Maryland District Court I reserve the right to pursue statutory damages of up to {$1000.00} per violation plus attorney fees. 

Please mail your results to the address listed above. 

Sincerely, XXXX XXXX Enclosures : XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist notice XXXX bill showing usage ending at XXXX report Identification and proof of address

Company response to consumer: Closed with non-monetary relief