Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Illegal Re-Aging and XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX Equifax I am filing this complaint against XXXX XXXX Co, XXXX XXXX XXXX XXXX, and Equifax Information Services LLC for fraudulent and willful re-reporting of a previously deleted medical collection account, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, a new collection account suddenly appeared on my Equifax credit report, reported by XXXX XXXX Co and listing XXXX XXXX XXXX XXXX as the original creditor. The reported balance is approximately {$910.00}. This tradeline is a duplicate and re-aged version of a prior account that was previously furnished by XXXX XXXX XXXX ( XXXX ) which I had disputed multiple times and had successfully deleted. 

This new entry is a manipulated re-insertion of the same debt, disguised under a new original creditor name and new date opened. The goal is to make it appear as a brand-new debt, even though it is the same account previously challenged. No written notice, validation, or documentation was ever sent to me by XXXX XXXX Co or XXXX XXXX, in violation of FDCPA 809 ( a ). 

This act of re-aging and data recycling is a serious federal offense that misleads creditors, suppresses my credit standing, and causes direct financial harm. This is not a reporting error ; it is a willful and deceptive act intended to bypass prior investigations and dispute outcomes. 

Violations of Federal Law FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information known or believed to be inaccurate. By re-aging an account that was already deleted, XXXX XXXX Co knowingly furnished false information. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Requires furnishers to report the correct Date of First Delinquency. Listing a new open date of XX/XX/XXXX falsifies the timeline and illegally extends reporting beyond the seven-year limit. 

FCRA 607 ( b ) : Equifax failed its duty to ensure maximum possible accuracy by accepting a new, unverifiable tradeline from a furnisher already involved in disputes.

FCRA 611 ( a ) ( 5 ) : A deleted account can not be reinserted unless the furnisher certifies its accuracy and the bureau notifies the consumer within five days. I received no such notice.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt. This account was already closed and disputed.

FDCPA 809 ( a ) : The collector must send written validation within five days of first communication. No notice or validation was ever received. 

CFPB XXXX XXXX XXXX XXXX ( XXXX ) : Prohibits reporting medical debts without full validation or that are less than 12 months old. 

This behavior demonstrates reckless disregard for the law, willful intent to harm, and coordinated negligence between the furnisher and Equifax. The new XXXX Contracting listing is simply a rebranded version of the same XXXX collection, with a falsified date and no legal validation. 

Pattern of Deceptive Reporting This is not the first time this debt has been mishandled. 

Initially reported by XXXX disputed and removed. 

Later reappeared as XXXX XXXX Co disputed again. 

Now resurfaced under XXXX Contracting SVC LLC a clear pattern of re-reporting under different names to evade deletion. 

Equifax continues to allow these unverified re-insertions, showing systemic failure to comply with FCRA standards. The bureau has been repeatedly notified of prior disputes but still permits the same invalid data to reappear. 

This is a violation of FCRA 611 ( a ) ( duty to reinvestigate ) and FCRA 623 ( b ) ( furnishers duty to investigate disputes ). Both entities are acting in bad faith, exploiting gaps between furnishers and credit bureaus to reintroduce deleted accounts under slightly modified identifiers. 

Legal and Financial Harm The impact is immediate and measurable : My credit utilization and debt ratio are distorted by an illegitimate balance. 

My creditworthiness is damaged because Equifax reflects a new collection with a current open date. 

I have lost access to favorable financing terms due to this false derogatory item. 

These damages are actionable under FCRA 616617, which provides for statutory and actual damages in cases of willful or negligent non-compliance. The conduct also meets the FDCPA standard for deceptive collection activity and false representation of debt. 

Requested Resolution Immediate deletion of the XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX collection account and all related XXXX references. 

Written validation from the furnisher, including : The original medical providers name and address, An itemized billing statement, and My signed authorization for treatment or charges. 

Formal investigation by the CFPB into XXXX XXXX Co, Paragon Contracting, and Equifax for repeated violations of FCRA 623, 607 ( b ), and FDCPA 807809.

Referral for enforcement to impose civil penalties for willful misconduct under FCRA 616617 and FDCPA 813.

Written confirmation of deletion and compliance within 15 business days. 

XXXX XXXX XXXX Co, XXXX XXXX XXXX XXXX, and Equifax have engaged in systematic fraud through re-aging, data recycling, and false credit furnishing. They are attempting to relabel and resell a previously deleted debt under a new account number and creditor name. 

This violates federal law, CFPB regulations, and the core principles of consumer data accuracy. I demand immediate deletion, validation, and enforcement action to stop these repeat violations permanently. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Florida Date : XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief