Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX to all three credit bureaus ( Equifax, Experian, and TransUnion ). The amount claimed ( {$1600.00} ) includes rent charges for a period after my documented move-out date. 

Specifically : My move-out date was XXXX XXXX XXXX, confirmed in the final statement from the original creditor ( XXXX XXXX XXXX ) and in emails I received from their leasing office. 

Despite this, XXXX XXXX XXXX is billing me for rent from XXXX XXXX XXXX XXXX XXXX XXXX, a period when I no longer occupied or had access to the unit. 

The collector provided no signed lease extension, holdover notice, or any agreement demonstrating I was legally obligated to pay rent for those dates. ( which i was not as i left upon my lease end date and confirmed this with the landlord. 

The only documentation they have sent is the same move-out statement, which actually shows the XX/XX/XXXXXXXX XXXX move-out date and therefore contradicts their claim. 

I have disputed this debt with Equifax, Experian, and TransUnion. Each bureau closed my dispute without adequately considering the evidence. The credit bureaus simply noted the account was verified as accurate even though the supporting documents show the charges are not valid. 

I am requesting : That Equifax, Experian, and TransUnion delete or correct this collection account to reflect an accurate {$0.00} balance. 
That XXXX XXXX XXXX XXXX XXXX XXXX provide a full, itemized ledger and evidence of any contractual obligation to pay rent after XXXX XXXX XXXX, if they believe any amount remains owed.

That all collection activities and credit reporting cease until the debt is properly validated.

I am attaching : The final move-out statement showing XXXX XXXX XXXX  as the end date. ( this also contains the additional unexplained charge which XXXX are using to persue the debt, but cant provide any documentation to explain. 
Email correspondence with the landlord confirming the move-out date. 
My prior lease ( month-to-month after the original expiration ). 
My prior disputes and communications with XXXX XXXX XXXX and the credit bureaus. 
The dispute results letters from Equifax, Experian, and TransUnion. 

As a diplomat posted to the United States, this experience has been deeply disheartening and inconsistent with the overwhelmingly positive interactions weve otherwise had while residing here. I am keen to discuss the results of this dispute with my contacts in the US government who I have been venting to about this process. 

We maintained thorough documentation throughout our tenancy, including records of our lease and our departure from the property. At the time of vacating, our landlord had failed to issue a formal lease renewal for several months, reflecting a pattern of poor administrative oversight. Despite this, we retained email correspondence that clearly confirms our final date of tenancy. 

The charges subsequently added by XXXX, and later transferred to XXXX XXXX XXXX, are entirely without basis. When contacted, neither XXXX nor XXXX could provide any proof of these charges, nor any evidence of a valid contract or agreement obligating us to pay them. In fact, XXXX was only able to produce a final statement ( which we never received ) and the original lease agreement, which had expired well before the disputed charges were applied and is therefore not applicable. 

We respectfully request that this matter be reviewed and the associated entry removed from our credit report.

Company response to consumer: Closed with non-monetary relief