Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the immediate and permanent deletion of a collection account reported by XXXX XXXX XXXX for XXXX XXXX XXXX from all consumer credit reports ( Experian, Equifax, and TransUnion ). This account is materially inaccurate, legally deficient, and unverifiable. Despite prior disputes, the account continues to be reported, in clear violation of federal law. 

Details of the Account in Question : Creditor : XXXX XXXX XXXX  Debt Collector : XXXX XXXX XXXX Balance Reported : {$9300.00} Date Assigned : XX/XX/year> Account Type : Collection Account Responsibility Shown : XXXX XXXX XXXX Status : Unpaid / Seriously Past Due Bureaus Reporting : Equifax, Experian, and TransUnion Consumer Dispute Language : Present ( Account information disputed by consumer ) Nature of the Issue : This account is being reported as a joint account or co-maker obligationsuggesting that I am legally and contractually responsible for the debt. This is false. I was never a leaseholder, co-signer, nor applicant for this lease. I was not involved in any financial agreement with XXXX XXXX XXXX or their agents. 

Prior Disputes Ignored No Validation Provided : I previously disputed this account with the credit bureaus, which triggered a consumer disputes account information remark on my file. Despite that, no legally required validation was provided, and the furnisher continued reporting the account without any supporting documentation, violating both the FCRA and FDCPA. 

Requested Proof Never Provided : I specifically requested : A copy of the original lease agreement or application signed by me A full itemization of the {$9300.00} balance The complete chain of assignment showing how XXXX XXXX XXXX obtained the right to collect Any communication or billing statements sent to me None of this has been provided. This account remains unvalidated and improperly reported. 

Violations of Federal Law Identified : This account is in violation of the following federal statutes : FCRA Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate FCRA 623 ( a ) ( 2 ) : Failure to update or correct inaccurate/outdated information FCRA 623 ( a ) ( 3 ) : Continuing to furnish data disputed by the consumer without certifying its accuracy FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information from credit reports FCRA 611 ( b ) : Failure to properly reinvestigate after dispute FDCPA Violations : FDCPA 809 ( b ) : Failure to validate the debt before continuing collection and reporting FDCPA 807 ( 8 ) : Misrepresentation of the legal status of a debt ( i.e., falsely assigning legal liability to me ) FDCPA 807 ( 2 ) : Misleading representation of the character or amount of the debt Ongoing Harm : This debt has been reported since XX/XX/year> with no updates to balance, payments, or resolution, indicating stale or re-aged data. Its continued presence is causing : Repeated denials of credit applications Loss of housing and employment opportunities Emotional distress over a debt I do not owe Requested Resolution : I respectfully demand the following : Immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from all consumer credit reports ( Experian, Equifax, TransUnion ) A formal investigation into the reporting and validation procedures of XXXX XXXX XXXX XXXX written statement confirming permanent suppression and removal of this inaccurate account Assurance that no future re-reporting of this account will occur by any party

Company response to consumer: Closed with explanation