Consumer complaint received 2026-02-09 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: OH

Complaint narrative:
. I am writing to formally dispute and demand the removal of an inaccurate collection account related to XXXX XXXX ( {$2000.00} ) that is still being reported on my Equifax credit file. 
On XX/XX/year>, I spoke with an Equifax representative regarding this matter and provided all supporting documentation proving that this collection is invalid and should not be reported. Despite this, Equifax has refused to remove the collection, even though : XXXX  has already removed this collection from my credit report. 
XXXX  removed it immediately upon receiving the same documentation. 
The debt collector has provided a written letter stating that the case is closed because their clients are no longer responding, due to a counter-suit filed by my attorney against their clients. 
In addition : I mailed all supporting documents to Equifax. 
I also uploaded the same documents through Equifaxs online system. 
Therefore, Equifax is in full possession of the proper documents needed to verify that this information is inaccurate and incomplete. 
This collection has already prevented me from obtaining a loan on XX/XX/year>, when there was no valid reason for me to be denied. I am currently in the process of trying to purchase a home, and I should not have to wait another XXXX  days for Equifax to correct an error that is already fully documented and acknowledged by the other credit bureaus. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to : Report only accurate and verifiable information, and Promptly correct or delete information that can not be verified or is found to be inaccurate. 
I have sent to all National credit Bureaus updated info that the debt collector has closed their file therefore there is no collection. 
The Timber Hollow collection is inaccurate, disputed, and not legally collectible, and the debt collectors own written statement closing the case confirms this. Continuing to report this collection, despite clear evidence and notice, is a violation of my rights under federal credit law.

I am requesting the following : 1. Immediate deletion of the XXXX XXXX ( {$2000.00} ) collection account from my Equifax credit report. 
XXXX. Written confirmation from Equifax that this collection has been removed. 
XXXX. An updated copy of my corrected credit report reflecting this deletion. 
If Equifax continues to report this inaccurate collection or fails to act promptly, I will have no choice but to : Re-engage my attorney to pursue legal action against Equifax and any related credit protection agencies, and File formal complaints with the appropriate regulatory agencies for violations of the Fair Credit Reporting Act and any other applicable consumer protection laws. 
This is my life, my credit, and my ability to secure housing. I have suffered enough from this unfairness that was solved in XXXX OH courts. I will not tolerate ongoing harm caused by Equifaxs failure to remove information that you know was updated and debt collectors case closed due to debt collectors clients no client response.

Please treat this as an urgent matter and respond in writing within the time required by law.

Company response to consumer: Closed with non-monetary relief