Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX ( FMS ) regarding a rental debt from XXXX XXXX that I paid in full and was confirmed as closed, yet continues to be re-reported inaccurately on my credit report. These repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have caused undue financial harm. 

Complaint Details : Collection Agency Name : Financial Management Solutions ( FMS ) Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$2000.00} Amount Paid : {$2000.00} ( Paid in full ) Status Date : XX/XX/XXXX Status : PAID Balance : {$0.00} Date Reported : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Comments : Consumer disputes this account information I personally met with the attorneys representing XXXX XXXX XXXX and paid the debt in full. They provided me with a signed letter confirming that the debt would be removed from my credit report and that my obligation was satisfied. Despite this, XXXX XXXX XXXX has continued to report the debt, repeatedly re-inserting it into my credit report without notice, in direct violation of federal law. 

Violations Committed by XXXX XXXX XXXX : XXXX. Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Reporting Inaccurate or Unverified Information The debt has been paid in full and closed, yet the agency continues to report it inaccurately. 
This false reporting is negatively affecting my creditworthiness. 
XXXX. Violation of FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Re-Insertion of Deleted Information Without Notice This debt was previously removed from my credit report by Equifax, XXXX, and XXXX after dispute resolution. 
XXXX XXXX XXXX illegally re-reported it on XX/XX/XXXX, without proper certification or written notice to me. 
XXXX. Violation of FDCPA ( 15 U.S.C. 1692g ) Failure to Validate the Debt The collection agency never provided validation or proof of the debt before continuing to report it. 
The debt should not have been reported at all because it was settled with written confirmation of removal. 
XXXX. Violation of FDCPA ( 15 U.S.C. 1692e ( 8 ) ) Misrepresentation of a Paid and Settled Debt The account is listed as " PAID '' and " CLOSED, '' yet it continues to be re-reported, damaging my credit file. 
The collection agency previously agreed in writing to remove this debt but failed to uphold that agreement. 
XXXX. Violation of FCRA ( 15 U.S.C. 1681m ) Failure to Notify That the Debt Was Sold I was never notified that this debt was assigned to XXXX XXXX XXXX in XX/XX/XXXX. 
They cited XXXX as an excuse for not notifying me, but that does not exempt them from federal legal requirements. 
Requested Resolution : I am requesting the CFPB take immediate action to : Permanently remove this debt from my credit report across all major bureaus ( Equifax, XXXX, and XXXX ). 
XXXX XXXX XXXX XXXX for violating federal laws under FCRA and FDCPA. 
Ensure that XXXX XXXX XXXX ceases all further attempts to re-report this debt and provide full compliance documentation. 
Award damages for emotional distress and lost credit opportunities due to their repeated violations.

Company response to consumer: Closed with explanation