Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for knowingly and repeatedly furnishing false information to credit reporting agenciesspecifically Equifaxconcerning a rental debt allegedly owed to XXXX XXXXXXXX XXXX 

Summary of Issue : XXXX XXXX XXXX has reported an account associated with XXXXXXXX XXXX XXXX that is false and inaccurate, and has been verified as disputed by me multiple times since XXXX. Despite ongoing disputes, updated credit reports from XX/XX/XXXX and XX/XX/XXXX show shifting balances and manipulated reporting dates which continue to harm my credit score and stability, making it impossible to secure safe and stable housing for myself and my children. 

In XX/XX/XXXX, Equifax showed the balance as {$9400.00}. 

In XX/XX/XXXX, the balance suddenly dropped to {$5300.00} with no valid explanation. 

XXXX altered balance and status dates but still verified the account as accurate, which is a violation of FCRA guidelines that require verifiable proof of accuracy upon consumer dispute. 

I have contacted both Equifax and XXXX to validate the debt and requested documentation of the original lease or signed agreementwhich was never provided. Yet, Equifax states that XXXX verified the debt as accurate, even after updates, without any supporting documentation provided to me. 

Supporting Facts : Multiple disputes have been submitted via Equifax, including in XXXX and XXXX, each time clearly stating that the account is not accurate. 

XXXX has been under federal investigation by the CFPB for practices including furnishing inaccurate information to credit reporting agencies and failing to respond appropriately to consumer disputes. 

The apartment complex involved has been previously sued, and the credibility of this debt is severely questionable. 

Impact : This false account has had devastating consequences : Prevented me from securing housing multiple times. 

Lowered my credit score unfairly. 

Caused emotional and financial stress for my family, including my minor children, leaving us functionally homeless and insecure. 

Requested Resolution : I am requesting the following actions be taken by the CFPB : Investigate XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Require XXXX to provide documented proof of the debt or have the account immediately and permanently deleted from all three credit bureaus. 

Impose sanctions or penalties for XXXX 's failure to follow dispute protocols and for willfully furnishing false information. 

Require Equifax ( and any other bureaus involved ) to remove the account unless legally validated within 10 days. 

Attached are : Credit reports from XXXX and XXXX showing inconsistencies and false updates. 

A federal petition showing XXXX 's prior refusal to comply with the CFPB investigative demand. 

Thank you for your attention to this matter. I am requesting urgent review and resolution to prevent further harm. 

TO ADD I HAD TO CONDUCT MY OWN INVESTIGATION AND HAVE THE COMPANY PROVIDE PROOF. EQUIFAX NEVER INVESTIGATED THE DEBT AND ALLOWED THE DEBT TO REPORT INACCURATE NEGATIVE INFORMATION ON MY CREDIT FOR FOUR YEARS. THAT IS NOT ACCEPTABLE AND VIOLATES SO MANY RIGHTS AND RULES I HAVE THE COMPLAINTS ALSO FILED THROUGH THE CFPB WHERE I REQUESTED TO HAVE THE MATTER LOOKED INTO AND NOTHING WAS DONE AND NOTHING CONTINUES BE DONE. THE OTHER ISSUE IS THAT THE CHANGE WAS NEVER JUSTIFIED BY THE COLLECTION AGENCY TO THE BUREAU CORRECTLY AND YET EACH BUREAU NEVER CHECKED TO VALIDATE.

Company response to consumer: Closed with explanation