Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
With all due respect to the reviewer assigned to this case, I am filing this complaint because XXXX is refusing to comply with my rights under federal law, specifically FCRA 605B, regarding the blocking of an illegally furnished collection account reported by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX ( XXXX ). 
1. This debt is being reported illegally Portofino created a balance 3 days after my move-out ( XX/XX/year> ) without following ANY required procedures, including : No 30-day written notice No itemized statement before reporting No certified mail No proof of damages No opportunity to dispute Improper rejection of my 7-day statutory cure notice delivered on XX/XX/year> The landlords actions violate : FDCPA 15 USC 1692e ( false representation of a debt ) FDCPA 1692f ( unfair collection ) FCRA 623 ( a ) ( 1 ) ( furnishing inaccurate information ) FCCPA 559.72 ( 9 ) ( asserting a debt that is not legitimate ) My brother XXXX XXXX XXXX XXXX, listed on the lease , is also being harmed and is included in this complaint. 

2. XXXX  is refusing to block the account despite a valid police report I submitted : My police report number Officer name Badge Date Written declaration Full supporting documentation Emails Ledger Evidence State complaints XXXX  responded claiming the report was online generated, even though : It was issued by the XXXX XXXX XXXX Police Department It contains correct formatting It contains the issuing jurisdiction It includes authentication information Under FCRA 605B, XXXX  is REQUIRED to block the account within 4 business days after receiving : A police report A consumer statement Identification A dispute written notice I provided all required documentation. 
XXXX  is violating federal law by refusing to block this account. 

3. XXXX has already CLOSED the XXXX account This is critical. 
XXXX  reviewed the same evidence and determined the debt : Could NOT be verified Should NOT be furnished Must be removed immediately This proves : The debt is invalid The furnisher did not supply verification The collection is defective XXXX is the only CRA refusing to follow the law 4. Equifax is still showing the account and has failed to conduct a lawful reinvestigation Equifax continues displaying outdated data after : XXXX closed the account Police report submission State filings Full evidence uploaded This violates : FCRA 611 failure to conduct reasonable reinvestigation FCRA 623 ( b ) failure of furnisher to correct inaccurate information 5. Relief Requested I request that CFPB order : Against Experian Immediate blocking of the XXXX account under FCRA 605B Removal of any negative information tied to this debt Confirmation that XXXX will no longer reinsert this account without legal certification Against Equifax Deletion or blocking of this account Written proof of reinvestigation Prevention of reinsertion Against XXXX Cease all furnishing Provide CFPB with verification ( which they can not ) Cease reporting under my name AND my brother XXXX name Against XXXX / XXXX Provide documentation supporting the debt ( which does not exist ) Cease illegal furnishing Retract the debt entirely 6. Closing Statement I have acted in good faith, provided every document required by law, and even filed a police report. The landlord created an illegal balance, sent it to collections improperly, and now XXXX  is violating federal law by refusing to block it. 
I request immediate CFPB intervention.

Company response to consumer: Closed with explanation