Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Type : Incorrect information on credit report / Improper investigation of disputed information I am filing this complaint because Equifax has repeatedly failed to conduct a reasonable investigation regarding a fraudulent collection account being reported on my credit report by XXXX XXXX XXXX. The account in question is listed as : Collection Agency : XXXX XXXX XXXX Last XXXX digits of account reference number : XXXX Creditor Classification : XXXX XXXX Amount : {$100.00} I have no knowledge of this account or the alleged underlying debt. I never requested internet or cable services from this company, and I believe my personal information was fraudulently used to obtain services at an address that does not belong to me. I disputed this account with XXXX on at least three separate occasions. Each time, XXXX completed its investigation within approximately XXXX to XXXX days and verified the account without conducting what appears to be a reasonable investigation. I provided XXXX with documentation proving my actual residential address and explained that I have never lived at the address associated with this account. Despite this evidence, XXXX continued to report the account without adequately addressing my concerns. I also disputed this same account with XXXX. XXXX conducted an investigation that took approximately 30 days and ultimately removed the account from my credit report. This discrepancy raises serious concerns regarding the adequacy and reasonableness of Equifax 's investigation procedures. Additionally, I have requested documentation bearing my signature or other evidence demonstrating that I authorized the internet services associated with this account. Neither XXXX nor WAYPOINT RESOURCE GROUP has provided any signed contracts, applications, service agreements, or other proof that I entered into this obligation. The issue is not the {$100.00} amount itself. The issue is that I am the victim of identity theft or fraudulent use of my personal information, and Equifax continues to report inaccurate information despite being provided evidence supporting my dispute. I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act, including the requirement to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i. I respectfully request that XXXX : Conduct a proper and thorough reinvestigation of this account. Require WAYPOINT RESOURCE GROUP to provide competent evidence that I authorized or opened the account, including signed agreements or applications. Remove this collection account from my XXXX credit report if such documentation can not be produced. Provide me with a detailed explanation of the specific procedures used during its previous investigations that resulted in the account being verified. I have attached supporting documentation, including proof of my actual residential address, copies of my prior disputes submitted to XXXX XXXX XXXX investigation results, and evidence showing that XXXX removed this same account after completing its investigation. I request that this matter be resolved promptly and in accordance with the Fair Credit Reporting Act. Sincerely XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation