Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Complainant : XXXX XXXX ( consumer ) Authorized Representative : XXXX XXXX Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date of Call : XX/XX/year> Debt Type : Alleged apartment lease balance {$5600.00} Reference Account # : XXXX XXXX. Cover Summary This complaint concerns multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) committed by XXXX XXXX XXXX XXXX XXXX ( XXXX ) and its employee, XXXX XXXX, during a recorded call on XX/XX/year>. 

The violations include : Reporting a debt to credit bureaus without proper validation. 

Failing to disclose they were a debt collector in prior communications. 

Refusing to provide requested validation documents. 

Continuing collection activity after a formal dispute. 

Refusing to work with an authorized representative while the consumer was present. 

Failing to mark the account as disputed with credit bureaus. 

2. Evidence XXXX  ( See attached Complaint Evidence XXXX XXXX with XXXX XXXXXXXX XXXX ) This table shows : Timestamp from the call Exact quote from the debt collector FDCPA/FCRA section violated Why it is a violation 3. Narrative of Events On XX/XX/year>, XXXX XXXX, with her authorized representative XXXX XXXX, called XXXX to dispute and request validation for an alleged lease debt reported on her credit file. 
The collector, XXXX XXXX, admitted that prior voicemails did not identify the company as a debt collector and that no proper written notice was delivered to XXXX before credit reporting. 

Despite being informed that the debt was disputed, XXXX XXXX : Refused to provide the original signed agreement, chain of title, or proof of assignment. 

Stated XXXX would only send a final account statement and the lease, omitting other required verification. 

Continued to discuss the debt and press for payment without ceasing collection activity. 

Declined to communicate fully with XXXX XXXX, even though XXXX was on the line authorizing him. 

Refused to furnish documentation of their authority to collect on behalf of the property. 

During the call, XXXX XXXX also provided evasive and misleading answers to questions about charge-off status, contractual obligations, and credit reporting. 

4. Violations Summary FDCPA Violations : 1692e ( 11 ) Failure to disclose debt collection purpose in prior communications.

1692d ( 6 ) Failure to meaningfully identify in prior messages.

1692g ( a ) No proper written notice delivered.

1692g ( b ) Continued collection without validation.

1692c ( a ) ( 2 ) Refusal to work with authorized representative.

1692e ( 10 ) Misleading and evasive representations.

FCRA Violations : 1681s-2 ( a ) ( 1 ) ( A ) Reporting without accuracy confirmation. 

1681s-2 ( a ) ( 1 ) ( B ) Failure to investigate before reporting.

1681s-2 ( a ) ( 3 ) Failure to report account as disputed after oral dispute.

5. Requested Remedies I request that the CFPB, FTC, and State Attorney General : Order removal of the alleged debt from all credit bureaus until legally validated. 

Require XXXX to provide full debt validation, including : Original contract with signature ( wet or e-signed ) Complete payment history and itemized charges Proof of assignment/ownership Documentation of their authority to collect in my state Investigate XXXX debt collection practices for systemic violations. 

Impose statutory penalties for FDCPA/FCRA violations. 

Cease all phone contact unless validation is provided. 

Attachments : Transcript Excerpts highlighting quoted violations. 

Complaint Evidence XXXX XXXX ( with timestamps ). 

Audio File of call ( if applicable ).

Company response to consumer: Closed with explanation